Call reports 2002
WEST TEXAS NATIONAL BANK — 2002
What WEST TEXAS NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 273,321,000 | 274,531,000 | 277,515,000 | 294,842,000 |
| Total loans | 145,591,000 | 159,314,000 | 169,719,000 | 164,281,000 |
| Allowance for loan losses | 2,354,000 | 2,256,000 | 2,286,000 | 2,280,000 |
| Securities available for sale | 67,055,000 | 61,058,000 | 49,476,000 | 52,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,910,000 | 242,342,000 | 245,273,000 | 263,275,000 |
| Interest-bearing deposits | 180,962,000 | 177,114,000 | 176,583,000 | 184,061,000 |
| Noninterest-bearing deposits | 60,948,000 | 65,228,000 | 68,690,000 | 79,214,000 |
| Equity capital | 30,438,000 | 31,171,000 | 31,252,000 | 30,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,671,000 | 7,277,000 | 10,959,000 | 14,585,000 |
| Interest expense | 1,064,000 | 1,970,000 | 2,835,000 | 3,655,000 |
| Net interest income | 2,607,000 | 5,307,000 | 8,124,000 | 10,930,000 |
| Noninterest income | 582,000 | 1,159,000 | 1,854,000 | 2,610,000 |
| Noninterest expense | 2,421,000 | 4,847,000 | 7,276,000 | 9,767,000 |
| Provision for loan losses | 78,000 | 163,000 | 291,000 | 368,000 |
| Pretax income | 690,000 | 1,456,000 | 2,472,000 | 3,466,000 |
| Income tax | 0 | 0 | 0 | -9,000 |
| Net income | 690,000 | 1,456,000 | 2,472,000 | 3,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,060,000 | 21,325,000 | 21,281,000 | 20,684,000 |
| Total capital | 23,215,000 | 23,581,000 | 23,567,000 | 22,909,000 |
| Risk-weighted assets | 172,214,000 | 188,580,000 | 195,389,000 | 210,439,000 |