Call reports 2005
FIRST BANK OF WEST TEXAS — 2005
What FIRST BANK OF WEST TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,929,000 | 90,074,000 | 92,670,000 | 99,830,000 |
| Total loans | 48,848,000 | 50,864,000 | 53,102,000 | 56,838,000 |
| Allowance for loan losses | 765,000 | 773,000 | 775,000 | 677,000 |
| Securities available for sale | 32,396,000 | 28,749,000 | 27,299,000 | 26,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,822,000 | 79,948,000 | 82,514,000 | 89,969,000 |
| Interest-bearing deposits | 68,197,000 | 67,561,000 | 68,559,000 | 70,619,000 |
| Noninterest-bearing deposits | 11,624,000 | 12,387,000 | 13,955,000 | 19,350,000 |
| Equity capital | 7,332,000 | 7,346,000 | 7,395,000 | 7,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,238,000 | 2,495,000 | 3,792,000 | 5,223,000 |
| Interest expense | 385,000 | 808,000 | 1,284,000 | 1,817,000 |
| Net interest income | 853,000 | 1,687,000 | 2,508,000 | 3,406,000 |
| Noninterest income | 116,000 | 248,000 | 385,000 | 543,000 |
| Noninterest expense | 743,000 | 1,461,000 | 2,229,000 | 3,128,000 |
| Provision for loan losses | 39,000 | 47,000 | 54,000 | 66,000 |
| Pretax income | 200,000 | 396,000 | 579,000 | 705,000 |
| Income tax | 47,000 | 100,000 | 145,000 | 177,000 |
| Net income | 153,000 | 296,000 | 434,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,388,000 | 7,415,000 | 7,550,000 | 7,558,000 |
| Total capital | 8,070,000 | 8,106,000 | 8,262,000 | 8,235,000 |
| Risk-weighted assets | 54,500,000 | 55,218,000 | 56,921,000 | 60,082,000 |