Call reports 2005
WEST TEXAS STATE BANK — 2005
What WEST TEXAS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,596,000 | 98,440,000 | 91,278,000 | 90,990,000 |
| Total loans | 27,503,000 | 27,946,000 | 29,066,000 | 27,924,000 |
| Allowance for loan losses | 430,000 | 407,000 | 413,000 | 450,000 |
| Securities available for sale | 54,341,000 | 51,778,000 | 51,573,000 | 50,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,080,000 | 91,433,000 | 83,010,000 | 84,369,000 |
| Interest-bearing deposits | 62,263,000 | 70,650,000 | 61,469,000 | 56,461,000 |
| Noninterest-bearing deposits | 21,817,000 | 20,783,000 | 21,541,000 | 27,908,000 |
| Equity capital | 5,779,000 | 5,991,000 | 5,988,000 | 5,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,960,000 | 2,976,000 | 4,044,000 |
| Interest expense | 250,000 | 543,000 | 863,000 | 1,193,000 |
| Net interest income | 699,000 | 1,417,000 | 2,113,000 | 2,851,000 |
| Noninterest income | 159,000 | 322,000 | 481,000 | 628,000 |
| Noninterest expense | 738,000 | 1,483,000 | 2,184,000 | 3,042,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 100,000 |
| Pretax income | 100,000 | 206,000 | 330,000 | 337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 206,000 | 330,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,409,000 | 6,515,000 | 6,592,000 | 6,599,000 |
| Total capital | 6,839,000 | 6,922,000 | 7,005,000 | 7,049,000 |
| Risk-weighted assets | 42,453,000 | 47,591,000 | 46,623,000 | 45,996,000 |