Call reports 2008
WEST TEXAS STATE BANK — 2008
What WEST TEXAS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 109,467,000 | 114,251,000 | 119,291,000 | 119,655,000 |
| Total loans | 48,734,000 | 53,717,000 | 61,700,000 | 62,836,000 |
| Allowance for loan losses | 568,000 | 570,000 | 575,000 | 652,000 |
| Securities available for sale | 47,898,000 | 51,573,000 | 47,773,000 | 47,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,918,000 | 96,052,000 | 95,336,000 | 100,952,000 |
| Interest-bearing deposits | 70,495,000 | 70,044,000 | 69,679,000 | 73,486,000 |
| Noninterest-bearing deposits | 27,423,000 | 26,008,000 | 25,657,000 | 27,466,000 |
| Equity capital | 9,674,000 | 9,149,000 | 10,067,000 | 10,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,001,000 | 4,571,000 | 6,159,000 |
| Interest expense | 508,000 | 978,000 | 1,432,000 | 1,846,000 |
| Net interest income | 1,005,000 | 2,023,000 | 3,139,000 | 4,313,000 |
| Noninterest income | 338,000 | 496,000 | 662,000 | 818,000 |
| Noninterest expense | 707,000 | 1,430,000 | 2,200,000 | 3,062,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 110,000 |
| Pretax income | 708,000 | 1,295,000 | 1,791,000 | 2,199,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 708,000 | 1,295,000 | 1,791,000 | 2,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,754,000 | 9,341,000 | 9,837,000 | 10,125,000 |
| Total capital | 9,322,000 | 9,911,000 | 10,412,000 | 10,777,000 |
| Risk-weighted assets | 67,082,000 | 69,766,000 | 74,759,000 | 75,672,000 |