Call reports 2005
WEST POINTE BANK AND TRUST COMPANY — 2005
What WEST POINTE BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 444,597,000 | 440,172,000 | 465,788,000 | 477,081,000 |
| Total loans | 246,563,000 | 250,656,000 | 253,420,000 | 256,032,000 |
| Allowance for loan losses | 2,573,000 | 2,583,000 | 2,204,000 | 2,002,000 |
| Securities available for sale | 142,747,000 | 134,944,000 | 145,192,000 | 167,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,946,000 | 381,243,000 | 398,310,000 | 413,207,000 |
| Interest-bearing deposits | 334,952,000 | 327,481,000 | 343,286,000 | 355,352,000 |
| Noninterest-bearing deposits | 52,994,000 | 53,762,000 | 55,024,000 | 57,855,000 |
| Equity capital | 32,707,000 | 34,088,000 | 34,778,000 | 34,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,206,000 | 10,605,000 | 16,283,000 | 22,519,000 |
| Interest expense | 1,867,000 | 3,887,000 | 6,176,000 | 8,752,000 |
| Net interest income | 3,339,000 | 6,718,000 | 10,107,000 | 13,767,000 |
| Noninterest income | 823,000 | 1,872,000 | 3,123,000 | 3,924,000 |
| Noninterest expense | 3,162,000 | 6,356,000 | 9,677,000 | 12,815,000 |
| Provision for loan losses | -45,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 1,256,000 | 2,611,000 | 3,930,000 | 5,253,000 |
| Income tax | 302,000 | 649,000 | 985,000 | 1,351,000 |
| Net income | 954,000 | 1,962,000 | 2,945,000 | 3,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,669,000 | 34,410,000 | 35,105,000 | 35,762,000 |
| Total capital | 36,242,000 | 36,993,000 | 37,309,000 | 37,764,000 |
| Risk-weighted assets | 278,983,000 | 283,876,000 | 290,268,000 | 302,518,000 |