Call reports 2004
WEST TEXAS NATIONAL BANK — 2004
What WEST TEXAS NATIONAL BANK 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 | 313,783,000 | 321,304,000 | 330,968,000 | 352,315,000 |
| Total loans | 172,553,000 | 195,575,000 | 204,751,000 | 204,184,000 |
| Allowance for loan losses | 2,461,000 | 2,430,000 | 2,645,000 | 2,703,000 |
| Securities available for sale | 70,715,000 | 65,019,000 | 63,891,000 | 61,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,966,000 | 288,628,000 | 297,378,000 | 319,281,000 |
| Interest-bearing deposits | 183,632,000 | 183,613,000 | 181,538,000 | 282,794,000 |
| Noninterest-bearing deposits | 97,334,000 | 105,015,000 | 115,840,000 | 36,487,000 |
| Equity capital | 31,664,000 | 31,457,000 | 32,324,000 | 31,178,000 |
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 | 3,241,000 | 6,492,000 | 10,068,000 | 13,842,000 |
| Interest expense | 519,000 | 1,004,000 | 1,512,000 | 2,046,000 |
| Net interest income | 2,722,000 | 5,488,000 | 8,556,000 | 11,796,000 |
| Noninterest income | 808,000 | 1,735,000 | 2,672,000 | 3,574,000 |
| Noninterest expense | 2,515,000 | 5,061,000 | 7,604,000 | 10,328,000 |
| Provision for loan losses | 90,000 | 180,000 | 380,000 | 490,000 |
| Pretax income | 925,000 | 1,982,000 | 3,244,000 | 4,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 925,000 | 1,982,000 | 3,244,000 | 4,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,962,000 | 23,218,000 | 23,281,000 | 22,590,000 |
| Total capital | 24,423,000 | 25,648,000 | 25,926,000 | 25,293,000 |
| Risk-weighted assets | 220,880,000 | 240,009,000 | 241,906,000 | 247,843,000 |