Call reports 2013
WEST TEXAS STATE BANK — 2013
What WEST TEXAS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 145,853,000 | 144,217,000 | 141,888,000 | 146,570,000 |
| Total loans | 80,320,000 | 80,192,000 | 80,402,000 | 82,163,000 |
| Allowance for loan losses | 1,389,000 | 1,596,000 | 1,593,000 | 1,491,000 |
| Securities available for sale | 50,676,000 | 50,206,000 | 52,280,000 | 50,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,970,000 | 129,560,000 | 126,517,000 | 130,767,000 |
| Interest-bearing deposits | 81,068,000 | 93,225,000 | 90,074,000 | 94,107,000 |
| Noninterest-bearing deposits | 49,902,000 | 36,335,000 | 36,443,000 | 36,660,000 |
| Equity capital | 14,713,000 | 14,382,000 | 15,024,000 | 15,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,639,000 | 4,105,000 | 5,555,000 |
| Interest expense | 73,000 | 142,000 | 206,000 | 267,000 |
| Net interest income | 1,245,000 | 2,497,000 | 3,899,000 | 5,288,000 |
| Noninterest income | 144,000 | 277,000 | 437,000 | 603,000 |
| Noninterest expense | 719,000 | 1,513,000 | 2,268,000 | 3,185,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 670,000 | 1,261,000 | 2,068,000 | 2,710,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 670,000 | 1,261,000 | 2,068,000 | 2,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,917,000 | 14,508,000 | 15,315,000 | 15,957,000 |
| Total capital | 15,049,000 | 15,649,000 | 16,476,000 | 17,158,000 |
| Risk-weighted assets | 90,327,000 | 90,795,000 | 92,418,000 | 95,775,000 |