Call reports 2006
WEST TEXAS STATE BANK — 2006
What WEST TEXAS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 90,632,000 | 96,047,000 | 95,281,000 | 88,990,000 |
| Total loans | 27,150,000 | 28,982,000 | 33,106,000 | 34,107,000 |
| Allowance for loan losses | 469,000 | 476,000 | 465,000 | 466,000 |
| Securities available for sale | 56,558,000 | 57,632,000 | 57,082,000 | 49,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,798,000 | 89,244,000 | 84,982,000 | 80,597,000 |
| Interest-bearing deposits | 57,661,000 | 62,714,000 | 60,632,000 | 54,992,000 |
| Noninterest-bearing deposits | 26,137,000 | 26,530,000 | 24,350,000 | 25,605,000 |
| Equity capital | 6,108,000 | 5,998,000 | 6,660,000 | 7,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,349,000 | 3,651,000 | 4,984,000 |
| Interest expense | 327,000 | 748,000 | 1,206,000 | 1,655,000 |
| Net interest income | 785,000 | 1,601,000 | 2,445,000 | 3,329,000 |
| Noninterest income | 181,000 | 333,000 | 488,000 | 601,000 |
| Noninterest expense | 707,000 | 1,397,000 | 2,106,000 | 2,832,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 214,000 | 492,000 | 765,000 | 1,026,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 492,000 | 765,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,743,000 | 7,020,000 | 7,200,000 | 7,461,000 |
| Total capital | 7,212,000 | 7,496,000 | 7,665,000 | 7,927,000 |
| Risk-weighted assets | 43,545,000 | 45,021,000 | 48,536,000 | 46,886,000 |