Call reports 2015
WEST POINTE BANK — 2015
What WEST POINTE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 272,293,000 | 267,935,000 | 265,630,000 | 273,947,000 |
| Total loans | 220,614,000 | 217,655,000 | 215,872,000 | 223,209,000 |
| Allowance for loan losses | 7,125,000 | 7,117,000 | 7,109,000 | 4,535,000 |
| Securities available for sale | 37,925,000 | 36,165,000 | 36,482,000 | 36,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,518,000 | 202,918,000 | 199,640,000 | 205,560,000 |
| Interest-bearing deposits | 194,277,000 | 189,100,000 | 183,659,000 | 190,660,000 |
| Noninterest-bearing deposits | 13,241,000 | 13,818,000 | 15,981,000 | 14,900,000 |
| Equity capital | 49,159,000 | 49,395,000 | 50,153,000 | 48,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,819,000 | 5,610,000 | 8,391,000 | 11,186,000 |
| Interest expense | 428,000 | 858,000 | 1,285,000 | 1,718,000 |
| Net interest income | 2,391,000 | 4,752,000 | 7,106,000 | 9,468,000 |
| Noninterest income | 219,000 | 375,000 | 534,000 | 722,000 |
| Noninterest expense | 1,270,000 | 2,676,000 | 3,989,000 | 5,611,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | -2,485,000 |
| Pretax income | 1,325,000 | 2,436,000 | 3,636,000 | 7,064,000 |
| Income tax | 407,000 | 744,000 | 1,117,000 | 2,369,000 |
| Net income | 918,000 | 1,692,000 | 2,519,000 | 4,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,263,000 | 48,807,000 | 49,439,000 | 47,660,000 |
| Total capital | 51,132,000 | 51,639,000 | 52,260,000 | 50,561,000 |
| Risk-weighted assets | 225,289,000 | 222,239,000 | 221,358,000 | 230,436,000 |