Call reports 2016
WEST POINTE BANK — 2016
What WEST POINTE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,439,000 | 274,128,000 | 266,753,000 | 265,635,000 |
| Total loans | 218,613,000 | 219,354,000 | 217,216,000 | 214,761,000 |
| Allowance for loan losses | 4,554,000 | 4,966,000 | 4,968,000 | 3,885,000 |
| Securities available for sale | 35,599,000 | 35,331,000 | 35,447,000 | 34,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,705,000 | 208,845,000 | 200,935,000 | 199,576,000 |
| Interest-bearing deposits | 192,907,000 | 193,654,000 | 185,261,000 | 183,378,000 |
| Noninterest-bearing deposits | 13,798,000 | 15,191,000 | 15,674,000 | 16,198,000 |
| Equity capital | 49,371,000 | 49,877,000 | 50,352,000 | 50,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,804,000 | 5,562,000 | 8,267,000 | 10,979,000 |
| Interest expense | 419,000 | 839,000 | 1,272,000 | 1,686,000 |
| Net interest income | 2,385,000 | 4,723,000 | 6,995,000 | 9,293,000 |
| Noninterest income | 218,000 | 399,000 | 554,000 | 586,000 |
| Noninterest expense | 1,311,000 | 2,769,000 | 4,159,000 | 5,589,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | -1,000,000 |
| Pretax income | 1,277,000 | 2,323,000 | 3,360,000 | 5,290,000 |
| Income tax | 404,000 | 716,000 | 1,025,000 | 1,690,000 |
| Net income | 873,000 | 1,607,000 | 2,335,000 | 3,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,533,000 | 49,050,000 | 49,594,000 | 50,677,000 |
| Total capital | 51,365,000 | 51,891,000 | 52,402,000 | 53,484,000 |
| Risk-weighted assets | 224,876,000 | 225,136,000 | 222,460,000 | 223,483,000 |