Call reports 2018
WEST TEXAS STATE BANK — 2018
What WEST TEXAS STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 416,348,000 | 419,606,000 | 425,265,000 | 417,489,000 |
| Total loans | 210,458,000 | 213,188,000 | 219,222,000 | 213,910,000 |
| Allowance for loan losses | 4,605,000 | 3,784,000 | 3,642,000 | 3,850,000 |
| Securities available for sale | 69,269,000 | 70,939,000 | 82,728,000 | 79,269,000 |
| Securities held to maturity | 1,410,000 | 1,402,000 | 2,485,000 | 1,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,161,000 | 372,604,000 | 376,296,000 | 366,804,000 |
| Interest-bearing deposits | 164,583,000 | 133,966,000 | 160,252,000 | 161,761,000 |
| Noninterest-bearing deposits | 204,578,000 | 238,638,000 | 216,044,000 | 205,043,000 |
| Equity capital | 45,113,000 | 46,120,000 | 47,901,000 | 49,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,689,000 | 7,859,000 | 12,987,000 | 17,392,000 |
| Interest expense | 104,000 | 207,000 | 361,000 | 524,000 |
| Net interest income | 3,585,000 | 7,652,000 | 12,626,000 | 16,868,000 |
| Noninterest income | 441,000 | 871,000 | 1,277,000 | 1,730,000 |
| Noninterest expense | 3,195,000 | 6,364,000 | 9,515,000 | 12,946,000 |
| Provision for loan losses | 30,000 | 60,000 | 190,000 | 220,000 |
| Pretax income | 646,000 | 1,944,000 | 4,043,000 | 5,220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 646,000 | 1,944,000 | 4,043,000 | 5,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,423,000 | 47,732,000 | 49,839,000 | 51,023,000 |
| Total capital | 49,908,000 | 51,210,000 | 53,360,000 | 54,440,000 |
| Risk-weighted assets | 277,724,000 | 278,011,000 | 281,583,000 | 272,940,000 |