Call reports 2009
WEST TEXAS STATE BANK — 2009
What WEST TEXAS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 249,042,000 | 244,880,000 | 273,208,000 | 272,597,000 |
| Total loans | 145,054,000 | 145,717,000 | 149,922,000 | 151,988,000 |
| Allowance for loan losses | 2,385,000 | 2,418,000 | 2,505,000 | 2,400,000 |
| Securities available for sale | 77,590,000 | 80,475,000 | 81,313,000 | 60,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,358,000 | 204,887,000 | 232,835,000 | 232,890,000 |
| Interest-bearing deposits | 131,435,000 | 124,524,000 | 134,513,000 | 143,539,000 |
| Noninterest-bearing deposits | 91,923,000 | 80,363,000 | 98,322,000 | 89,351,000 |
| Equity capital | 25,340,000 | 27,495,000 | 29,921,000 | 29,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,781,000 | 5,599,000 | 8,406,000 | 11,223,000 |
| Interest expense | 254,000 | 499,000 | 752,000 | 1,022,000 |
| Net interest income | 2,527,000 | 5,100,000 | 7,654,000 | 10,201,000 |
| Noninterest income | 233,000 | 460,000 | 696,000 | 916,000 |
| Noninterest expense | 1,532,000 | 3,090,000 | 4,699,000 | 6,508,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 1,660,000 |
| Pretax income | 1,473,000 | 2,636,000 | 3,738,000 | 5,636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,473,000 | 2,636,000 | 3,738,000 | 5,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,727,000 | 27,029,000 | 27,227,000 | 28,257,000 |
| Total capital | 29,105,000 | 29,387,000 | 29,709,000 | 30,648,000 |
| Risk-weighted assets | 190,193,000 | 188,571,000 | 198,498,000 | 191,293,000 |
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