Call reports 2010
WEST TEXAS STATE BANK — 2010
What WEST TEXAS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,967,000 | 124,582,000 | 127,357,000 | 134,236,000 |
| Total loans | 79,142,000 | 85,819,000 | 86,099,000 | 80,488,000 |
| Allowance for loan losses | 1,190,000 | 1,353,000 | 1,337,000 | 1,298,000 |
| Securities available for sale | 35,110,000 | 31,088,000 | 27,832,000 | 31,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,048,000 | 111,744,000 | 113,550,000 | 120,262,000 |
| Interest-bearing deposits | 80,951,000 | 87,096,000 | 89,638,000 | 94,457,000 |
| Noninterest-bearing deposits | 24,097,000 | 24,648,000 | 23,912,000 | 25,805,000 |
| Equity capital | 11,851,000 | 12,286,000 | 12,801,000 | 13,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,035,000 | 4,543,000 | 6,033,000 |
| Interest expense | 218,000 | 440,000 | 649,000 | 853,000 |
| Net interest income | 1,315,000 | 2,595,000 | 3,894,000 | 5,180,000 |
| Noninterest income | 170,000 | 333,000 | 489,000 | 639,000 |
| Noninterest expense | 801,000 | 1,636,000 | 2,512,000 | 3,353,000 |
| Provision for loan losses | 90,000 | 240,000 | 352,000 | 352,000 |
| Pretax income | 779,000 | 1,282,000 | 1,784,000 | 2,379,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 779,000 | 1,282,000 | 1,784,000 | 2,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,134,000 | 11,636,000 | 12,098,000 | 12,694,000 |
| Total capital | 12,231,000 | 12,836,000 | 13,368,000 | 13,992,000 |
| Risk-weighted assets | 87,668,000 | 95,819,000 | 101,540,000 | 105,275,000 |