Call reports 2002
WEST POINTE BANK AND TRUST COMPANY — 2002
What WEST POINTE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 368,988,000 | 391,808,000 | 407,084,000 | 411,804,000 |
| Total loans | 201,913,000 | 209,716,000 | 213,392,000 | 221,581,000 |
| Allowance for loan losses | 2,324,000 | 2,383,000 | 2,401,000 | 2,409,000 |
| Securities available for sale | 120,428,000 | 132,827,000 | 144,431,000 | 137,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,646,000 | 336,467,000 | 346,255,000 | 351,458,000 |
| Interest-bearing deposits | 288,371,000 | 299,939,000 | 310,178,000 | 310,386,000 |
| Noninterest-bearing deposits | 34,275,000 | 36,528,000 | 36,077,000 | 41,072,000 |
| Equity capital | 25,026,000 | 27,688,000 | 29,030,000 | 29,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,303,000 | 10,882,000 | 16,576,000 | 22,055,000 |
| Interest expense | 2,259,000 | 4,549,000 | 6,866,000 | 9,100,000 |
| Net interest income | 3,044,000 | 6,333,000 | 9,710,000 | 12,955,000 |
| Noninterest income | 835,000 | 1,690,000 | 2,689,000 | 3,829,000 |
| Noninterest expense | 2,581,000 | 5,219,000 | 8,062,000 | 11,122,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,387,000 | 2,844,000 | 4,227,000 | 5,402,000 |
| Income tax | 424,000 | 847,000 | 1,226,000 | 1,513,000 |
| Net income | 963,000 | 1,997,000 | 3,001,000 | 3,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,106,000 | 25,949,000 | 26,743,000 | 27,422,000 |
| Total capital | 27,431,000 | 28,333,000 | 29,144,000 | 29,831,000 |
| Risk-weighted assets | 241,517,000 | 250,761,000 | 256,068,000 | 263,012,000 |