Call reports 2005
WEST TEXAS NATIONAL BANK — 2005
What WEST TEXAS NATIONAL BANK 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 | 345,879,000 | 343,905,000 | 345,181,000 | 388,309,000 |
| Total loans | 191,988,000 | 196,106,000 | 197,429,000 | 184,239,000 |
| Allowance for loan losses | 2,749,000 | 3,012,000 | 3,130,000 | 3,373,000 |
| Securities available for sale | 71,686,000 | 79,867,000 | 79,345,000 | 123,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,092,000 | 309,630,000 | 308,892,000 | 338,153,000 |
| Interest-bearing deposits | 282,299,000 | 284,821,000 | 259,766,000 | 301,164,000 |
| Noninterest-bearing deposits | 29,793,000 | 24,809,000 | 49,126,000 | 36,989,000 |
| Equity capital | 31,843,000 | 32,215,000 | 33,545,000 | 47,422,000 |
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 | 3,978,000 | 8,352,000 | 12,762,000 | 17,758,000 |
| Interest expense | 583,000 | 1,249,000 | 2,014,000 | 2,858,000 |
| Net interest income | 3,395,000 | 7,103,000 | 10,748,000 | 14,900,000 |
| Noninterest income | 913,000 | 1,903,000 | 2,915,000 | 4,173,000 |
| Noninterest expense | 2,736,000 | 5,429,000 | 8,469,000 | 11,812,000 |
| Provision for loan losses | 110,000 | 220,000 | 340,000 | 507,000 |
| Pretax income | 1,462,000 | 3,357,000 | 4,854,000 | 6,754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,462,000 | 3,357,000 | 4,854,000 | 6,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,551,000 | 23,946,000 | 25,442,000 | 39,343,000 |
| Total capital | 26,300,000 | 26,958,000 | 28,572,000 | 42,676,000 |
| Risk-weighted assets | 238,721,000 | 240,965,000 | 251,787,000 | 266,639,000 |