Call reports 2004
FIRST BANK OF WEST TEXAS — 2004
What FIRST BANK OF WEST TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,065,000 | 94,294,000 | 94,044,000 | 95,382,000 |
| Total loans | 48,629,000 | 48,879,000 | 49,838,000 | 52,100,000 |
| Allowance for loan losses | 786,000 | 750,000 | 783,000 | 808,000 |
| Securities available for sale | 35,825,000 | 37,145,000 | 33,503,000 | 33,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,752,000 | 84,614,000 | 83,519,000 | 85,099,000 |
| Interest-bearing deposits | 75,001,000 | 74,220,000 | 72,832,000 | 71,821,000 |
| Noninterest-bearing deposits | 9,751,000 | 10,394,000 | 10,687,000 | 13,278,000 |
| Equity capital | 7,300,000 | 7,212,000 | 7,516,000 | 7,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,375,000 | 3,579,000 | 4,819,000 |
| Interest expense | 378,000 | 747,000 | 1,119,000 | 1,489,000 |
| Net interest income | 796,000 | 1,628,000 | 2,460,000 | 3,330,000 |
| Noninterest income | 103,000 | 227,000 | 368,000 | 488,000 |
| Noninterest expense | 661,000 | 1,405,000 | 2,131,000 | 2,953,000 |
| Provision for loan losses | 83,000 | 118,000 | 158,000 | 198,000 |
| Pretax income | 193,000 | 370,000 | 617,000 | 743,000 |
| Income tax | 43,000 | 81,000 | 138,000 | 158,000 |
| Net income | 150,000 | 289,000 | 479,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,982,000 | 7,070,000 | 7,261,000 | 7,291,000 |
| Total capital | 7,717,000 | 7,777,000 | 7,951,000 | 8,016,000 |
| Risk-weighted assets | 58,768,000 | 56,545,000 | 55,076,000 | 57,917,000 |