Call reports 2003
STATE NATIONAL BANK IN WEST, THE — 2003
What STATE NATIONAL BANK IN WEST, THE 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 | 47,833,000 | 47,315,000 | 48,936,000 | 48,568,000 |
| Total loans | 13,549,000 | 13,062,000 | 12,412,000 | 13,029,000 |
| Allowance for loan losses | 298,000 | 329,000 | 233,000 | 243,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,268,000 | 26,243,000 | 29,522,000 | 29,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,237,000 | 42,313,000 | 43,902,000 | 43,625,000 |
| Interest-bearing deposits | 32,889,000 | 32,745,000 | 34,472,000 | 33,285,000 |
| Noninterest-bearing deposits | 8,348,000 | 9,568,000 | 9,430,000 | 10,340,000 |
| Equity capital | 4,872,000 | 4,918,000 | 4,947,000 | 4,906,000 |
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 | 660,000 | 1,346,000 | 1,900,000 | 2,432,000 |
| Interest expense | 128,000 | 237,000 | 333,000 | 419,000 |
| Net interest income | 532,000 | 1,109,000 | 1,567,000 | 2,013,000 |
| Noninterest income | 56,000 | 105,000 | 153,000 | 198,000 |
| Noninterest expense | 377,000 | 751,000 | 1,108,000 | 1,479,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 157,000 |
| Pretax income | 181,000 | 403,000 | 522,000 | 575,000 |
| Income tax | 62,000 | 137,000 | 177,000 | 196,000 |
| Net income | 119,000 | 266,000 | 345,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,872,000 | 4,918,000 | 4,947,000 | 4,906,000 |
| Total capital | 5,121,000 | 5,159,000 | 5,180,000 | 5,149,000 |
| Risk-weighted assets | 19,860,000 | 19,183,000 | 19,135,000 | 19,537,000 |
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