Call reports 2006
WEST POINTE BANK AND TRUST COMPANY — 2006
What WEST POINTE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 464,590,000 | 456,117,000 |
| Total loans | 258,264,000 | 261,021,000 |
| Allowance for loan losses | 1,934,000 | 1,958,000 |
| Securities available for sale | 156,521,000 | 147,484,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 400,271,000 | 386,709,000 |
| Interest-bearing deposits | 339,558,000 | 325,493,000 |
| Noninterest-bearing deposits | 60,713,000 | 61,216,000 |
| Equity capital | 34,662,000 | 34,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Interest income | 6,177,000 | 12,544,000 |
| Interest expense | 2,781,000 | 5,700,000 |
| Net interest income | 3,396,000 | 6,844,000 |
| Noninterest income | 810,000 | 1,715,000 |
| Noninterest expense | 3,116,000 | 6,288,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,090,000 | 2,271,000 |
| Income tax | 211,000 | 457,000 |
| Net income | 879,000 | 1,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 36,307,000 | 36,847,000 |
| Total capital | 38,241,000 | 38,805,000 |
| Risk-weighted assets | 300,003,000 | 299,037,000 |