Call reports 2016
WEST TEXAS STATE BANK — 2016
What WEST TEXAS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 411,191,000 | 399,151,000 | 392,631,000 | 383,317,000 |
| Total loans | 264,194,000 | 262,177,000 | 241,009,000 | 211,876,000 |
| Allowance for loan losses | 8,558,000 | 7,775,000 | 11,365,000 | 8,420,000 |
| Securities available for sale | 75,173,000 | 73,553,000 | 70,235,000 | 69,915,000 |
| Securities held to maturity | 2,251,000 | 1,927,000 | 1,458,000 | 1,450,000 |
| Trading assets | 6,410,000 | 6,491,000 | 6,575,000 | 6,500,000 |
| Total deposits | 366,801,000 | 353,172,000 | 349,342,000 | 340,557,000 |
| Interest-bearing deposits | 159,173,000 | 154,774,000 | 150,981,000 | 132,458,000 |
| Noninterest-bearing deposits | 207,627,000 | 198,399,000 | 198,362,000 | 208,099,000 |
| Equity capital | 43,920,000 | 45,343,000 | 42,566,000 | 42,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,619,000 | 7,057,000 | 10,441,000 | 13,548,000 |
| Interest expense | 60,000 | 120,000 | 192,000 | 247,000 |
| Net interest income | 3,559,000 | 6,937,000 | 10,249,000 | 13,301,000 |
| Noninterest income | 441,000 | 904,000 | 3,624,000 | 3,820,000 |
| Noninterest expense | 2,617,000 | 5,194,000 | 7,846,000 | 10,765,000 |
| Provision for loan losses | 1,013,000 | 1,163,000 | 5,432,000 | 5,432,000 |
| Pretax income | 374,000 | 1,488,000 | 610,000 | 939,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,246,000 | 3,360,000 | 610,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,784,000 | 44,864,000 | 42,120,000 | 42,473,000 |
| Total capital | 48,126,000 | 49,169,000 | 46,237,000 | 46,179,000 |
| Risk-weighted assets | 343,034,000 | 340,819,000 | 322,039,000 | 291,732,000 |