Call reports 2023
WEST POINTE BANK — 2023
What WEST POINTE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 341,113,000 | 347,009,000 | 342,916,000 | 347,613,000 |
| Total loans | 292,286,000 | 300,701,000 | 299,531,000 | 299,180,000 |
| Allowance for loan losses | 4,754,000 | 4,921,000 | 4,922,000 | 4,975,000 |
| Securities available for sale | 30,599,000 | 28,984,000 | 25,875,000 | 26,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,951,000 | 241,147,000 | 235,067,000 | 248,233,000 |
| Interest-bearing deposits | 210,163,000 | 209,754,000 | 209,151,000 | 219,499,000 |
| Noninterest-bearing deposits | 33,788,000 | 31,393,000 | 25,916,000 | 28,734,000 |
| Equity capital | 60,025,000 | 60,544,000 | 61,109,000 | 61,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,455,000 | 9,236,000 | 14,248,000 | 19,453,000 |
| Interest expense | 1,476,000 | 3,307,000 | 5,341,000 | 7,648,000 |
| Net interest income | 2,979,000 | 5,929,000 | 8,907,000 | 11,805,000 |
| Noninterest income | 192,000 | 429,000 | 647,000 | 892,000 |
| Noninterest expense | 1,500,000 | 3,168,000 | 4,657,000 | 6,426,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,671,000 | 3,190,000 | 4,897,000 | 6,271,000 |
| Income tax | 351,000 | 793,000 | 1,219,000 | 1,384,000 |
| Net income | 1,320,000 | 2,397,000 | 3,678,000 | 4,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,516,000 | 61,263,000 | 62,275,000 | 62,082,000 |
| Total capital | 64,151,000 | 64,999,000 | 66,003,000 | 65,815,000 |
| Risk-weighted assets | 289,729,000 | 297,726,000 | 297,003,000 | 297,438,000 |