West Pointe Bank and Trust Company in Belleville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 2006

  • West Pointe Bank and Trust Company in Belleville, Illinois (IL)
  • Show street view No street view available for this location

West Pointe Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 33222
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank (#24998)
    Federal Reserve ID: 1824285
    Date Established: December 14, 1990
    WWW: http://www.westpointebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 14615
    FDIC's unique #: 46659
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 14, 1990
    Last Structure Change Effective Date: September 01, 2006
    Last Structure Change Process Date: October 03, 2006
    Last Data Update: October 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 5701 West Main Street, Belleville, IL 62226
    County: St. Clair
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $456.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2005)

  • Dollar figures in thousands
  • 121Total employees (full-time equivalent)
  • $477,081Total assets
  • $13,231Cash and due from depository institutions
  • $1,632Interest-bearing balances
  • $167,906Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $254,030Net loans & leases
  • $2,002Loan loss allowance
  • $0Trading account assets
  • $11,756Bank premises and fixed assets
  • $1,538Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $28,620All other assets
  • $477,081Total liabilities and capital
  • $442,714Total liabilities
  • $413,207Total deposits
  • $355,352Interest-bearing deposits
  • $413,207Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $25,192Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $4,315All other liabilities
  • $34,367Total equity capital
  • $34,367Total bank equity capital
  • $34,367Perpetual preferred stock
  • $0Common stock
  • $2,800Surplus
  • $11,596Undivided profits
  • Memoranda
  • $19,971Noncurrent loans and leases
  • $55,337Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $846Earning assets
  • $0Long-term assets (5+ years)
  • $1,994Average Assets, year-to-date
  • $423,568Average Assets, quarterly
  • $106,385Volatile liabilities
  • $454,270Insider loans
  • $471,435FHLB advances
  • $98,940Loans and leases held for sale
  • $10,232Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,228Tier 2 risk-based capital
  • $333Total risk weighted assets
  • $55,337Total unused commitments
  • $0Restructured Loans and leases
  • $2,002Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $22,519Total interest income
  • $8,752Total interest expense
  • $13,767Net interest income
  • $2Provision for loan and lease losses
  • $3,924Total noninterest income
  • $695Fiduciary activities
  • $1,384Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,845Additional noninterest income
  • $12,815Total noninterest expense
  • $6,955Salaries and employee benefits
  • $1,538Premises and equipment expense
  • $4,322Additional noninterest expense
  • $4,874Pre-tax net operating income
  • $379Securities gains (losses)
  • $1,351Applicable income taxes
  • $3,902Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,902Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $693Sale, conversion, retirement of capital stock, net
  • $1,105Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 2.17%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 11.54%Return on equity (ROE)
  • 8.27%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 0.29%Credit loss provision to net charge-offs
  • 7.04%Efficiency ratio
  • 72,438Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.32%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 236.64%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 61.48%Net loans and leases to core deposits
  • 74.83%Equity capital to assets
  • 7.20%Core capital (leverage) ratio
  • 7.65%Tier 1 risk-based capital ratio
  • 11.82%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $454,270Average earning assets
  • $33,808Average equity
  • $402,763Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $167,136Managed Assets
  • 1Number of Accounts
  • $159,132Personal trust and agency accounts
  • $44,055Employee benefit-defined contribution accounts
  • $3,464Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $111,607Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 225Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,004Other retirement accounts
  • $780Corporate trust and agency accounts
  • $2,652Other fiduciary accounts
  • $4,572Fiduciary accounts held in foreign offices

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with West Pointe Bank and Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents