Call reports 2014
WEST TEXAS STATE BANK — 2014
What WEST TEXAS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 403,945,000 | 409,900,000 | 462,269,000 | 463,445,000 |
| Total loans | 165,101,000 | 177,302,000 | 196,068,000 | 218,654,000 |
| Allowance for loan losses | 5,640,000 | 5,635,000 | 5,609,000 | 5,599,000 |
| Securities available for sale | 48,747,000 | 70,724,000 | 76,169,000 | 74,089,000 |
| Securities held to maturity | 5,889,000 | 5,882,000 | 5,875,000 | 5,867,000 |
| Trading assets | 0 | 0 | 5,090,000 | 5,117,000 |
| Total deposits | 363,372,000 | 367,656,000 | 418,311,000 | 418,511,000 |
| Interest-bearing deposits | 158,039,000 | 163,051,000 | 172,025,000 | 172,759,000 |
| Noninterest-bearing deposits | 205,333,000 | 204,606,000 | 246,287,000 | 245,752,000 |
| Equity capital | 40,101,000 | 41,640,000 | 43,274,000 | 43,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,602,000 | 5,233,000 | 8,137,000 | 11,293,000 |
| Interest expense | 61,000 | 120,000 | 189,000 | 252,000 |
| Net interest income | 2,541,000 | 5,113,000 | 7,948,000 | 11,041,000 |
| Noninterest income | 403,000 | 815,000 | 2,450,000 | 3,092,000 |
| Noninterest expense | 2,038,000 | 4,118,000 | 6,288,000 | 9,584,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,536,000 | 2,702,000 | 5,036,000 | 5,638,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,536,000 | 2,702,000 | 5,036,000 | 5,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,794,000 | 40,968,000 | 42,770,000 | 42,842,000 |
| Total capital | 42,932,000 | 44,452,000 | 46,593,000 | 46,940,000 |
| Risk-weighted assets | 248,567,000 | 276,507,000 | 305,092,000 | 326,321,000 |
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