Call reports 2002
WEST TEXAS STATE BANK — 2002
What WEST TEXAS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 82,581,000 | 81,123,000 | 81,226,000 | 81,885,000 |
| Total loans | 41,746,000 | 39,549,000 | 38,883,000 | 38,097,000 |
| Allowance for loan losses | 613,000 | 552,000 | 474,000 | 487,000 |
| Securities available for sale | 32,849,000 | 32,566,000 | 32,103,000 | 33,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,799,000 | 72,649,000 | 71,854,000 | 73,460,000 |
| Interest-bearing deposits | 57,351,000 | 56,575,000 | 58,199,000 | 57,996,000 |
| Noninterest-bearing deposits | 16,448,000 | 16,074,000 | 13,655,000 | 15,464,000 |
| Equity capital | 6,419,000 | 6,795,000 | 7,031,000 | 6,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,133,000 | 2,280,000 | 3,384,000 | 4,389,000 |
| Interest expense | 396,000 | 764,000 | 1,102,000 | 1,438,000 |
| Net interest income | 737,000 | 1,516,000 | 2,282,000 | 2,951,000 |
| Noninterest income | 159,000 | 304,000 | 473,000 | 793,000 |
| Noninterest expense | 759,000 | 1,558,000 | 2,296,000 | 3,441,000 |
| Provision for loan losses | 0 | 30,000 | 228,000 | 268,000 |
| Pretax income | 137,000 | 232,000 | 379,000 | 192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 137,000 | 232,000 | 379,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,350,000 | 6,352,000 | 6,405,000 | 6,218,000 |
| Total capital | 6,963,000 | 6,904,000 | 6,879,000 | 6,705,000 |
| Risk-weighted assets | 50,157,000 | 45,711,000 | 48,286,000 | 46,401,000 |