Call reports 2003
WEST TEXAS NATIONAL BANK — 2003
What WEST TEXAS NATIONAL BANK 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 | 312,643,000 | 295,216,000 | 303,470,000 | 315,976,000 |
| Total loans | 157,978,000 | 167,126,000 | 171,847,000 | 170,133,000 |
| Allowance for loan losses | 2,123,000 | 2,234,000 | 2,326,000 | 2,365,000 |
| Securities available for sale | 63,056,000 | 68,226,000 | 66,518,000 | 82,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,281,000 | 262,309,000 | 271,191,000 | 284,547,000 |
| Interest-bearing deposits | 195,399,000 | 190,266,000 | 183,283,000 | 186,238,000 |
| Noninterest-bearing deposits | 84,882,000 | 72,043,000 | 87,908,000 | 98,309,000 |
| Equity capital | 31,320,000 | 31,830,000 | 31,166,000 | 30,280,000 |
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 | 3,245,000 | 6,542,000 | 9,773,000 | 13,069,000 |
| Interest expense | 772,000 | 1,504,000 | 2,137,000 | 2,707,000 |
| Net interest income | 2,473,000 | 5,038,000 | 7,636,000 | 10,362,000 |
| Noninterest income | 771,000 | 1,665,000 | 2,484,000 | 3,508,000 |
| Noninterest expense | 2,447,000 | 4,750,000 | 7,176,000 | 9,714,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 692,000 | 1,765,000 | 2,926,000 | 4,033,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 692,000 | 1,765,000 | 2,926,000 | 4,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,376,000 | 21,769,000 | 21,929,000 | 21,038,000 |
| Total capital | 23,447,000 | 24,003,000 | 24,255,000 | 23,403,000 |
| Risk-weighted assets | 196,762,000 | 198,033,000 | 203,194,000 | 213,057,000 |