Call reports 2004
WEST TEXAS STATE BANK — 2004
What WEST TEXAS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 86,536,000 | 80,898,000 | 82,889,000 | 86,825,000 |
| Total loans | 30,948,000 | 29,173,000 | 30,667,000 | 29,477,000 |
| Allowance for loan losses | 508,000 | 482,000 | 445,000 | 511,000 |
| Securities available for sale | 40,396,000 | 40,356,000 | 44,037,000 | 50,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,517,000 | 74,221,000 | 75,875,000 | 80,074,000 |
| Interest-bearing deposits | 60,163,000 | 56,601,000 | 56,516,000 | 59,998,000 |
| Noninterest-bearing deposits | 18,354,000 | 17,620,000 | 19,359,000 | 20,076,000 |
| Equity capital | 6,847,000 | 5,923,000 | 6,382,000 | 6,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 899,000 | 1,783,000 | 2,696,000 | 3,647,000 |
| Interest expense | 223,000 | 431,000 | 641,000 | 894,000 |
| Net interest income | 676,000 | 1,352,000 | 2,055,000 | 2,753,000 |
| Noninterest income | 170,000 | 326,000 | 486,000 | 633,000 |
| Noninterest expense | 722,000 | 1,465,000 | 2,202,000 | 2,945,000 |
| Provision for loan losses | 0 | 20,000 | 91,000 | 148,000 |
| Pretax income | 124,000 | 193,000 | 248,000 | 293,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 124,000 | 193,000 | 248,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,326,000 | 6,395,000 | 6,356,000 | 6,402,000 |
| Total capital | 6,834,000 | 6,877,000 | 6,801,000 | 6,913,000 |
| Risk-weighted assets | 48,698,000 | 44,337,000 | 43,978,000 | 43,454,000 |