Call reports 2004
WEST POINTE BANK AND TRUST COMPANY — 2004
What WEST POINTE BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 432,456,000 | 424,061,000 | 448,367,000 | 443,711,000 |
| Total loans | 215,269,000 | 228,755,000 | 236,565,000 | 240,841,000 |
| Allowance for loan losses | 2,543,000 | 2,960,000 | 2,952,000 | 2,693,000 |
| Securities available for sale | 162,458,000 | 149,114,000 | 160,009,000 | 154,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,864,000 | 360,648,000 | 379,601,000 | 385,628,000 |
| Interest-bearing deposits | 326,627,000 | 315,154,000 | 333,545,000 | 335,038,000 |
| Noninterest-bearing deposits | 42,237,000 | 45,494,000 | 46,056,000 | 50,590,000 |
| Equity capital | 32,368,000 | 30,615,000 | 32,709,000 | 33,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,973,000 | 9,873,000 | 14,931,000 | 20,083,000 |
| Interest expense | 1,544,000 | 3,072,000 | 4,714,000 | 6,486,000 |
| Net interest income | 3,429,000 | 6,801,000 | 10,217,000 | 13,597,000 |
| Noninterest income | 942,000 | 1,986,000 | 3,011,000 | 4,075,000 |
| Noninterest expense | 3,154,000 | 6,266,000 | 9,502,000 | 12,398,000 |
| Provision for loan losses | 180,000 | 598,000 | 658,000 | 658,000 |
| Pretax income | 1,185,000 | 2,237,000 | 3,382,000 | 4,930,000 |
| Income tax | 286,000 | 523,000 | 810,000 | 1,225,000 |
| Net income | 899,000 | 1,714,000 | 2,572,000 | 3,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,816,000 | 31,396,000 | 32,011,000 | 32,965,000 |
| Total capital | 33,359,000 | 34,356,000 | 34,963,000 | 35,658,000 |
| Risk-weighted assets | 250,012,000 | 259,266,000 | 268,358,000 | 271,930,000 |