Call reports 2019
WEST POINTE BANK — 2019
What WEST POINTE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 284,809,000 | 280,934,000 | 283,288,000 | 293,096,000 |
| Total loans | 232,404,000 | 224,872,000 | 228,613,000 | 239,514,000 |
| Allowance for loan losses | 2,259,000 | 2,430,000 | 3,614,000 | 3,982,000 |
| Securities available for sale | 34,954,000 | 35,991,000 | 36,342,000 | 35,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,084,000 | 207,671,000 | 209,527,000 | 212,847,000 |
| Interest-bearing deposits | 193,367,000 | 191,158,000 | 191,792,000 | 194,891,000 |
| Noninterest-bearing deposits | 18,717,000 | 16,513,000 | 17,735,000 | 17,956,000 |
| Equity capital | 48,834,000 | 49,916,000 | 50,257,000 | 50,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,628,000 | 7,001,000 | 10,336,000 | 13,750,000 |
| Interest expense | 945,000 | 1,927,000 | 2,892,000 | 3,814,000 |
| Net interest income | 2,683,000 | 5,074,000 | 7,444,000 | 9,936,000 |
| Noninterest income | 490,000 | 653,000 | 797,000 | 951,000 |
| Noninterest expense | 1,369,000 | 2,674,000 | 4,016,000 | 5,563,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 700,000 |
| Pretax income | 1,654,000 | 2,753,000 | 3,775,000 | 4,624,000 |
| Income tax | 399,000 | 646,000 | 867,000 | 1,025,000 |
| Net income | 1,255,000 | 2,107,000 | 2,908,000 | 3,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,640,000 | 49,492,000 | 49,768,000 | 50,259,000 |
| Total capital | 50,899,000 | 51,922,000 | 52,954,000 | 53,527,000 |
| Risk-weighted assets | 247,987,000 | 239,923,000 | 254,457,000 | 260,756,000 |