Call reports 2003
WEST TEXAS STATE BANK — 2003
What WEST TEXAS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,398,000 | 85,865,000 | 84,534,000 | 85,177,000 |
| Total loans | 35,826,000 | 34,084,000 | 35,073,000 | 34,378,000 |
| Allowance for loan losses | 479,000 | 515,000 | 525,000 | 545,000 |
| Securities available for sale | 38,373,000 | 38,004,000 | 38,521,000 | 40,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,782,000 | 77,345,000 | 77,295,000 | 77,348,000 |
| Interest-bearing deposits | 59,735,000 | 58,557,000 | 58,043,000 | 57,597,000 |
| Noninterest-bearing deposits | 16,047,000 | 18,788,000 | 19,252,000 | 19,751,000 |
| Equity capital | 6,911,000 | 7,143,000 | 6,598,000 | 6,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 1,979,000 | 2,920,000 | 3,862,000 |
| Interest expense | 293,000 | 571,000 | 831,000 | 1,089,000 |
| Net interest income | 705,000 | 1,408,000 | 2,089,000 | 2,773,000 |
| Noninterest income | 229,000 | 417,000 | 584,000 | 734,000 |
| Noninterest expense | 771,000 | 1,574,000 | 2,420,000 | 3,188,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 56,000 |
| Pretax income | 163,000 | 251,000 | 235,000 | 263,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 264,000 | 235,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,301,000 | 6,294,000 | 6,267,000 | 6,295,000 |
| Total capital | 6,780,000 | 6,809,000 | 6,792,000 | 6,840,000 |
| Risk-weighted assets | 45,288,000 | 47,189,000 | 47,463,000 | 47,007,000 |