Call reports 2014
WEST POINTE BANK — 2014
What WEST POINTE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 282,364,000 | 277,111,000 | 273,644,000 | 267,798,000 |
| Total loans | 223,828,000 | 226,109,000 | 223,273,000 | 217,420,000 |
| Allowance for loan losses | 6,997,000 | 7,033,000 | 6,656,000 | 6,623,000 |
| Securities available for sale | 39,513,000 | 40,049,000 | 38,759,000 | 37,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,330,000 | 214,212,000 | 208,347,000 | 202,960,000 |
| Interest-bearing deposits | 207,657,000 | 200,349,000 | 195,709,000 | 188,195,000 |
| Noninterest-bearing deposits | 12,673,000 | 13,863,000 | 12,638,000 | 14,765,000 |
| Equity capital | 47,153,000 | 47,284,000 | 48,062,000 | 48,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,944,000 | 5,960,000 | 8,928,000 | 11,699,000 |
| Interest expense | 457,000 | 903,000 | 1,343,000 | 1,771,000 |
| Net interest income | 2,487,000 | 5,057,000 | 7,585,000 | 9,928,000 |
| Noninterest income | 164,000 | 337,000 | 494,000 | 683,000 |
| Noninterest expense | 1,286,000 | 2,608,000 | 3,882,000 | 5,409,000 |
| Provision for loan losses | 75,000 | 105,000 | 135,000 | 165,000 |
| Pretax income | 1,290,000 | 2,681,000 | 4,062,000 | 5,037,000 |
| Income tax | 409,000 | 868,000 | 1,329,000 | 1,611,000 |
| Net income | 881,000 | 1,813,000 | 2,733,000 | 3,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,620,000 | 46,592,000 | 47,287,000 | 47,345,000 |
| Total capital | 49,364,000 | 49,332,000 | 50,034,000 | 50,032,000 |
| Risk-weighted assets | 215,278,000 | 214,962,000 | 215,852,000 | 210,946,000 |