Call reports 2008
WEST TEXAS NATIONAL BANK — 2008
What WEST TEXAS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 475,483,000 | 512,025,000 | 501,288,000 | 531,380,000 |
| Total loans | 266,835,000 | 303,594,000 | 313,903,000 | 316,679,000 |
| Allowance for loan losses | 3,884,000 | 3,622,000 | 4,894,000 | 3,698,000 |
| Securities available for sale | 131,808,000 | 121,936,000 | 113,824,000 | 108,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,218,000 | 465,891,000 | 455,194,000 | 486,461,000 |
| Interest-bearing deposits | 304,562,000 | 305,676,000 | 300,368,000 | 343,399,000 |
| Noninterest-bearing deposits | 126,656,000 | 160,215,000 | 154,826,000 | 143,062,000 |
| Equity capital | 41,495,000 | 38,264,000 | 43,075,000 | 42,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,665,000 | 13,266,000 | 19,825,000 | 26,269,000 |
| Interest expense | 1,419,000 | 2,675,000 | 3,877,000 | 4,884,000 |
| Net interest income | 5,246,000 | 10,591,000 | 15,948,000 | 21,385,000 |
| Noninterest income | 1,025,000 | 2,120,000 | 3,241,000 | 4,422,000 |
| Noninterest expense | 3,715,000 | 7,400,000 | 11,008,000 | 14,834,000 |
| Provision for loan losses | 121,000 | 993,000 | 2,093,000 | 2,843,000 |
| Pretax income | 2,435,000 | 4,318,000 | 6,088,000 | 8,130,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,435,000 | 4,318,000 | 6,088,000 | 8,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,170,000 | 40,553,000 | 42,322,000 | 41,566,000 |
| Total capital | 44,054,000 | 44,175,000 | 47,216,000 | 45,264,000 |
| Risk-weighted assets | 349,396,000 | 382,909,000 | 398,312,000 | 421,567,000 |