Call reports 2007
FIRST BANK OF WEST TEXAS — 2007
What FIRST BANK OF WEST TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 109,172,000 | 109,332,000 | 118,278,000 | 123,842,000 |
| Total loans | 66,620,000 | 72,985,000 | 79,767,000 | 79,218,000 |
| Allowance for loan losses | 696,000 | 744,000 | 807,000 | 868,000 |
| Securities available for sale | 23,968,000 | 23,257,000 | 19,987,000 | 19,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,804,000 | 99,914,000 | 105,086,000 | 113,433,000 |
| Interest-bearing deposits | 80,154,000 | 80,519,000 | 84,251,000 | 89,249,000 |
| Noninterest-bearing deposits | 19,650,000 | 19,395,000 | 20,835,000 | 24,184,000 |
| Equity capital | 7,613,000 | 7,582,000 | 8,222,000 | 8,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,780,000 | 3,622,000 | 5,583,000 | 7,614,000 |
| Interest expense | 761,000 | 1,534,000 | 2,419,000 | 3,375,000 |
| Net interest income | 1,019,000 | 2,088,000 | 3,164,000 | 4,239,000 |
| Noninterest income | 199,000 | 461,000 | 709,000 | 981,000 |
| Noninterest expense | 933,000 | 1,921,000 | 2,924,000 | 4,029,000 |
| Provision for loan losses | 32,000 | 84,000 | 155,000 | 221,000 |
| Pretax income | 253,000 | 544,000 | 803,000 | 986,000 |
| Income tax | 75,000 | 162,000 | 239,000 | 289,000 |
| Net income | 178,000 | 382,000 | 564,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,852,000 | 7,981,000 | 8,363,000 | 8,341,000 |
| Total capital | 8,548,000 | 8,725,000 | 9,170,000 | 9,209,000 |
| Risk-weighted assets | 71,180,000 | 76,576,000 | 83,897,000 | 83,381,000 |