Call reports 2020
WEST POINTE BANK — 2020
What WEST POINTE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 295,878,000 | 303,053,000 | 297,294,000 | 288,553,000 |
| Total loans | 240,343,000 | 251,773,000 | 247,863,000 | 240,135,000 |
| Allowance for loan losses | 3,905,000 | 4,060,000 | 4,230,000 | 4,653,000 |
| Securities available for sale | 33,676,000 | 32,927,000 | 32,141,000 | 33,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,730,000 | 222,667,000 | 216,582,000 | 211,123,000 |
| Interest-bearing deposits | 202,005,000 | 198,364,000 | 190,785,000 | 183,618,000 |
| Noninterest-bearing deposits | 18,725,000 | 24,303,000 | 25,797,000 | 27,505,000 |
| Equity capital | 51,454,000 | 52,334,000 | 53,300,000 | 53,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,321,000 | 6,547,000 | 10,157,000 | 13,893,000 |
| Interest expense | 908,000 | 1,744,000 | 2,386,000 | 2,916,000 |
| Net interest income | 2,413,000 | 4,803,000 | 7,771,000 | 10,977,000 |
| Noninterest income | 198,000 | 407,000 | 695,000 | 920,000 |
| Noninterest expense | 1,427,000 | 2,831,000 | 4,561,000 | 6,112,000 |
| Provision for loan losses | 60,000 | 210,000 | 360,000 | 460,000 |
| Pretax income | 1,132,000 | 2,177,000 | 3,553,000 | 5,333,000 |
| Income tax | 268,000 | 508,000 | 837,000 | 1,274,000 |
| Net income | 864,000 | 1,669,000 | 2,716,000 | 4,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,953,000 | 51,458,000 | 52,388,000 | 52,318,000 |
| Total capital | 54,222,000 | 54,693,000 | 55,518,000 | 55,377,000 |
| Risk-weighted assets | 260,861,000 | 257,956,000 | 249,273,000 | 243,128,000 |