Call reports 2012
WEST TEXAS STATE BANK — 2012
What WEST TEXAS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 142,251,000 | 139,534,000 | 140,456,000 | 144,517,000 |
| Total loans | 84,060,000 | 86,832,000 | 86,358,000 | 82,272,000 |
| Allowance for loan losses | 1,488,000 | 1,417,000 | 1,397,000 | 1,389,000 |
| Securities available for sale | 45,689,000 | 45,302,000 | 43,557,000 | 48,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,736,000 | 124,943,000 | 124,808,000 | 128,731,000 |
| Interest-bearing deposits | 79,901,000 | 78,942,000 | 78,264,000 | 82,752,000 |
| Noninterest-bearing deposits | 48,835,000 | 46,001,000 | 46,544,000 | 45,979,000 |
| Equity capital | 13,300,000 | 14,295,000 | 15,251,000 | 15,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 2,928,000 | 4,407,000 | 5,842,000 |
| Interest expense | 128,000 | 243,000 | 348,000 | 438,000 |
| Net interest income | 1,395,000 | 2,685,000 | 4,059,000 | 5,404,000 |
| Noninterest income | 141,000 | 272,000 | 414,000 | 552,000 |
| Noninterest expense | 813,000 | 1,606,000 | 2,377,000 | 3,143,000 |
| Provision for loan losses | 90,000 | 200,000 | 350,000 | 350,000 |
| Pretax income | 633,000 | 1,151,000 | 1,746,000 | 2,463,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 633,000 | 1,151,000 | 1,746,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,417,000 | 13,434,000 | 14,030,000 | 14,747,000 |
| Total capital | 13,715,000 | 14,702,000 | 15,322,000 | 15,888,000 |
| Risk-weighted assets | 103,655,000 | 101,294,000 | 103,230,000 | 91,062,000 |