Call reports 2019
WEST TEXAS STATE BANK — 2019
What WEST TEXAS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 424,488,000 | 429,347,000 | 431,247,000 |
| Total loans | 210,103,000 | 204,790,000 | 200,662,000 |
| Allowance for loan losses | 4,038,000 | 4,173,000 | 3,853,000 |
| Securities available for sale | 79,576,000 | 77,192,000 | 87,952,000 |
| Securities held to maturity | 2,251,000 | 2,240,000 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 373,714,000 | 376,155,000 | 374,694,000 |
| Interest-bearing deposits | 142,425,000 | 136,132,000 | 134,572,000 |
| Noninterest-bearing deposits | 231,289,000 | 240,023,000 | 240,122,000 |
| Equity capital | 49,714,000 | 52,208,000 | 55,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 4,386,000 | 8,973,000 | 13,533,000 |
| Interest expense | 178,000 | 375,000 | 548,000 |
| Net interest income | 4,208,000 | 8,598,000 | 12,985,000 |
| Noninterest income | 740,000 | 1,175,000 | 2,641,000 |
| Noninterest expense | 3,233,000 | 6,381,000 | 9,233,000 |
| Provision for loan losses | 30,000 | 30,000 | -367,000 |
| Pretax income | 1,685,000 | 2,769,000 | 6,167,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 1,685,000 | 2,769,000 | 6,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 50,700,000 | 51,791,000 | 55,197,000 |
| Total capital | 54,063,000 | 54,873,000 | 58,324,000 |
| Risk-weighted assets | 268,391,000 | 245,479,000 | 249,474,000 |