Call reports 2014
WEST TEXAS STATE BANK — 2014
What WEST TEXAS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 144,857,000 | 140,305,000 | 140,116,000 | 148,292,000 |
| Total loans | 78,936,000 | 77,071,000 | 75,702,000 | 73,103,000 |
| Allowance for loan losses | 1,492,000 | 1,491,000 | 1,255,000 | 421,000 |
| Securities available for sale | 56,076,000 | 54,388,000 | 52,136,000 | 53,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,521,000 | 123,610,000 | 122,605,000 | 130,277,000 |
| Interest-bearing deposits | 89,738,000 | 85,321,000 | 84,796,000 | 96,587,000 |
| Noninterest-bearing deposits | 39,783,000 | 38,289,000 | 37,809,000 | 33,690,000 |
| Equity capital | 15,151,000 | 16,414,000 | 17,112,000 | 17,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,811,000 | 4,186,000 | 5,494,000 |
| Interest expense | 57,000 | 112,000 | 167,000 | 221,000 |
| Net interest income | 1,366,000 | 2,699,000 | 4,019,000 | 5,273,000 |
| Noninterest income | 191,000 | 366,000 | 530,000 | 716,000 |
| Noninterest expense | 820,000 | 1,608,000 | 2,414,000 | 3,336,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 746,000 | 1,467,000 | 2,145,000 | 2,694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 746,000 | 1,467,000 | 2,145,000 | 2,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,247,000 | 15,968,000 | 16,645,000 | 17,195,000 |
| Total capital | 16,419,000 | 17,117,000 | 17,793,000 | 17,616,000 |
| Risk-weighted assets | 93,453,000 | 91,547,000 | 91,764,000 | 92,894,000 |