Call reports 2013
WEST POINTE BANK — 2013
What WEST POINTE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 306,459,000 | 299,296,000 | 295,716,000 | 288,271,000 |
| Total loans | 255,280,000 | 248,894,000 | 244,284,000 | 237,790,000 |
| Allowance for loan losses | 11,000,000 | 6,916,000 | 6,786,000 | 6,847,000 |
| Securities available for sale | 35,902,000 | 36,622,000 | 36,728,000 | 37,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,922,000 | 237,101,000 | 232,177,000 | 225,587,000 |
| Interest-bearing deposits | 231,917,000 | 224,688,000 | 218,423,000 | 213,253,000 |
| Noninterest-bearing deposits | 13,005,000 | 12,413,000 | 13,754,000 | 12,334,000 |
| Equity capital | 45,533,000 | 46,123,000 | 47,006,000 | 47,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,138,000 | 6,855,000 | 10,412,000 | 13,529,000 |
| Interest expense | 599,000 | 1,151,000 | 1,673,000 | 2,174,000 |
| Net interest income | 2,539,000 | 5,704,000 | 8,739,000 | 11,355,000 |
| Noninterest income | 144,000 | 264,000 | 556,000 | 692,000 |
| Noninterest expense | 1,286,000 | 2,797,000 | 3,919,000 | 5,747,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,097,000 | 2,571,000 | 4,476,000 | 5,100,000 |
| Income tax | 338,000 | 828,000 | 1,490,000 | 1,648,000 |
| Net income | 759,000 | 1,743,000 | 2,986,000 | 3,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,386,000 | 45,370,000 | 46,613,000 | 47,079,000 |
| Total capital | 47,480,000 | 48,421,000 | 49,601,000 | 49,977,000 |
| Risk-weighted assets | 239,601,000 | 240,234,000 | 235,209,000 | 227,907,000 |