Call reports 2003
WEST POINTE BANK AND TRUST COMPANY — 2003
What WEST POINTE BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 414,806,000 | 415,464,000 | 429,731,000 | 425,139,000 |
| Total loans | 224,241,000 | 221,736,000 | 211,749,000 | 217,094,000 |
| Allowance for loan losses | 2,796,000 | 2,791,000 | 2,388,000 | 2,697,000 |
| Securities available for sale | 145,563,000 | 147,155,000 | 163,425,000 | 166,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,583,000 | 357,545,000 | 367,279,000 | 361,795,000 |
| Interest-bearing deposits | 318,835,000 | 314,965,000 | 326,426,000 | 319,450,000 |
| Noninterest-bearing deposits | 37,748,000 | 42,580,000 | 40,853,000 | 42,345,000 |
| Equity capital | 29,711,000 | 30,601,000 | 30,191,000 | 31,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,277,000 | 10,481,000 | 15,421,000 | 20,580,000 |
| Interest expense | 1,960,000 | 3,832,000 | 5,513,000 | 7,114,000 |
| Net interest income | 3,317,000 | 6,649,000 | 9,908,000 | 13,466,000 |
| Noninterest income | 1,138,000 | 2,299,000 | 3,407,000 | 4,343,000 |
| Noninterest expense | 3,076,000 | 6,143,000 | 9,296,000 | 12,459,000 |
| Provision for loan losses | 495,000 | 690,000 | 850,000 | 1,213,000 |
| Pretax income | 1,217,000 | 2,576,000 | 3,630,000 | 4,766,000 |
| Income tax | 300,000 | 650,000 | 899,000 | 1,164,000 |
| Net income | 917,000 | 1,926,000 | 2,731,000 | 3,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,133,000 | 28,916,000 | 29,496,000 | 30,142,000 |
| Total capital | 30,929,000 | 31,707,000 | 31,884,000 | 32,839,000 |
| Risk-weighted assets | 253,744,000 | 251,534,000 | 245,472,000 | 249,530,000 |