Call reports 2015
WEST TEXAS STATE BANK — 2015
What WEST TEXAS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 474,410,000 | 441,218,000 | 427,571,000 | 419,239,000 |
| Total loans | 228,690,000 | 242,273,000 | 248,796,000 | 255,929,000 |
| Allowance for loan losses | 5,594,000 | 5,277,000 | 4,885,000 | 8,038,000 |
| Securities available for sale | 75,588,000 | 85,297,000 | 78,404,000 | 74,015,000 |
| Securities held to maturity | 5,860,000 | 5,845,000 | 4,983,000 | 4,690,000 |
| Trading assets | 6,218,000 | 6,265,000 | 6,331,000 | 6,362,000 |
| Total deposits | 429,260,000 | 394,726,000 | 380,226,000 | 374,873,000 |
| Interest-bearing deposits | 175,151,000 | 169,439,000 | 163,408,000 | 158,744,000 |
| Noninterest-bearing deposits | 254,109,000 | 225,287,000 | 216,818,000 | 216,130,000 |
| Equity capital | 43,511,000 | 44,412,000 | 44,886,000 | 41,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,363,000 | 6,979,000 | 10,450,000 | 13,981,000 |
| Interest expense | 61,000 | 121,000 | 181,000 | 241,000 |
| Net interest income | 3,302,000 | 6,858,000 | 10,269,000 | 13,740,000 |
| Noninterest income | 447,000 | 897,000 | 1,360,000 | 1,866,000 |
| Noninterest expense | 2,384,000 | 4,887,000 | 7,445,000 | 10,231,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 3,641,000 |
| Pretax income | 1,365,000 | 3,133,000 | 4,393,000 | 1,978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,365,000 | 3,133,000 | 4,393,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,048,000 | 44,427,000 | 45,022,000 | 42,073,000 |
| Total capital | 47,488,000 | 49,086,000 | 49,478,000 | 46,359,000 |
| Risk-weighted assets | 354,034,000 | 372,094,000 | 356,032,000 | 339,035,000 |