Call reports 2001
WEST TEXAS STATE BANK — 2001
What WEST TEXAS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 86,879,000 | 87,626,000 | 85,082,000 | 83,138,000 |
| Total loans | 42,961,000 | 44,037,000 | 43,881,000 | 43,603,000 |
| Allowance for loan losses | 607,000 | 597,000 | 638,000 | 687,000 |
| Securities available for sale | 30,700,000 | 33,991,000 | 32,598,000 | 33,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,627,000 | 78,723,000 | 75,416,000 | 72,031,000 |
| Interest-bearing deposits | 62,854,000 | 62,334,000 | 60,029,000 | 57,411,000 |
| Noninterest-bearing deposits | 14,773,000 | 16,389,000 | 15,387,000 | 14,620,000 |
| Equity capital | 6,662,000 | 6,686,000 | 6,971,000 | 6,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,547,000 | 3,018,000 | 4,306,000 | 5,558,000 |
| Interest expense | 716,000 | 1,415,000 | 2,001,000 | 2,486,000 |
| Net interest income | 831,000 | 1,603,000 | 2,305,000 | 3,072,000 |
| Noninterest income | 175,000 | 325,000 | 444,000 | 633,000 |
| Noninterest expense | 821,000 | 1,632,000 | 2,386,000 | 3,120,000 |
| Provision for loan losses | 15,000 | 45,000 | 105,000 | 480,000 |
| Pretax income | 172,000 | 253,000 | 260,000 | 156,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 172,000 | 253,000 | 260,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,462,000 | 6,449,000 | 6,410,000 | 6,306,000 |
| Total capital | 7,028,000 | 7,046,000 | 7,048,000 | 6,866,000 |
| Risk-weighted assets | 45,170,000 | 53,119,000 | 51,001,000 | 44,710,000 |