Call reports 2003
FIRST BANK OF WEST TEXAS — 2003
What FIRST BANK OF WEST TEXAS 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 | 86,619,000 | 89,251,000 | 92,296,000 | 95,563,000 |
| Total loans | 47,934,000 | 52,843,000 | 54,137,000 | 51,373,000 |
| Allowance for loan losses | 629,000 | 644,000 | 677,000 | 710,000 |
| Securities available for sale | 30,534,000 | 29,008,000 | 26,998,000 | 33,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,704,000 | 80,072,000 | 83,254,000 | 86,494,000 |
| Interest-bearing deposits | 69,760,000 | 69,475,000 | 73,247,000 | 74,036,000 |
| Noninterest-bearing deposits | 8,944,000 | 10,597,000 | 10,008,000 | 12,458,000 |
| Equity capital | 6,874,000 | 6,995,000 | 6,915,000 | 7,137,000 |
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 | 1,159,000 | 2,428,000 | 3,592,000 | 4,784,000 |
| Interest expense | 403,000 | 814,000 | 1,214,000 | 1,607,000 |
| Net interest income | 756,000 | 1,614,000 | 2,378,000 | 3,177,000 |
| Noninterest income | 91,000 | 216,000 | 348,000 | 489,000 |
| Noninterest expense | 640,000 | 1,356,000 | 2,105,000 | 2,812,000 |
| Provision for loan losses | 31,000 | 63,000 | 97,000 | 139,000 |
| Pretax income | 219,000 | 589,000 | 752,000 | 943,000 |
| Income tax | 50,000 | 159,000 | 199,000 | 251,000 |
| Net income | 169,000 | 430,000 | 553,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,373,000 | 6,603,000 | 6,695,000 | 6,833,000 |
| Total capital | 7,002,000 | 7,247,000 | 7,372,000 | 7,543,000 |
| Risk-weighted assets | 56,490,000 | 57,473,000 | 57,783,000 | 58,771,000 |