Call reports 2007
WEST TEXAS STATE BANK — 2007
What WEST TEXAS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 93,872,000 | 95,207,000 | 95,221,000 | 99,139,000 |
| Total loans | 37,779,000 | 45,945,000 | 47,981,000 | 46,145,000 |
| Allowance for loan losses | 468,000 | 561,000 | 545,000 | 563,000 |
| Securities available for sale | 48,336,000 | 43,802,000 | 42,024,000 | 41,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,822,000 | 80,050,000 | 84,118,000 | 87,318,000 |
| Interest-bearing deposits | 59,710,000 | 59,387,000 | 61,949,000 | 64,671,000 |
| Noninterest-bearing deposits | 23,112,000 | 20,663,000 | 22,169,000 | 22,647,000 |
| Equity capital | 7,437,000 | 7,578,000 | 8,417,000 | 9,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,865,000 | 4,405,000 | 5,905,000 |
| Interest expense | 453,000 | 972,000 | 1,552,000 | 2,112,000 |
| Net interest income | 939,000 | 1,893,000 | 2,853,000 | 3,793,000 |
| Noninterest income | 278,000 | 426,000 | 591,000 | 758,000 |
| Noninterest expense | 737,000 | 1,445,000 | 2,174,000 | 2,943,000 |
| Provision for loan losses | 0 | 0 | 0 | -125,000 |
| Pretax income | 480,000 | 874,000 | 1,270,000 | 1,694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 480,000 | 874,000 | 1,270,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,591,000 | 7,986,000 | 8,382,000 | 8,686,000 |
| Total capital | 8,059,000 | 8,547,000 | 8,927,000 | 9,249,000 |
| Risk-weighted assets | 51,599,000 | 58,175,000 | 58,565,000 | 58,993,000 |