Call reports 2015
WEST TEXAS STATE BANK — 2015
What WEST TEXAS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 144,874,000 | 144,249,000 | 143,048,000 | 143,442,000 |
| Total loans | 63,215,000 | 66,416,000 | 71,086,000 | 75,310,000 |
| Allowance for loan losses | 560,000 | 966,000 | 972,000 | 969,000 |
| Securities available for sale | 59,482,000 | 62,207,000 | 59,047,000 | 51,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,660,000 | 126,965,000 | 124,814,000 | 124,200,000 |
| Interest-bearing deposits | 90,275,000 | 90,599,000 | 87,398,000 | 90,750,000 |
| Noninterest-bearing deposits | 37,385,000 | 36,366,000 | 37,416,000 | 33,450,000 |
| Equity capital | 16,987,000 | 16,915,000 | 17,752,000 | 18,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,236,000 | 2,425,000 | 3,675,000 | 4,889,000 |
| Interest expense | 52,000 | 102,000 | 155,000 | 208,000 |
| Net interest income | 1,184,000 | 2,323,000 | 3,520,000 | 4,681,000 |
| Noninterest income | 164,000 | 325,000 | 478,000 | 637,000 |
| Noninterest expense | 792,000 | 1,640,000 | 2,439,000 | 3,241,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 496,000 | 888,000 | 1,439,000 | 2,074,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 496,000 | 888,000 | 1,439,000 | 2,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,292,000 | 16,683,000 | 17,234,000 | 17,870,000 |
| Total capital | 16,852,000 | 17,649,000 | 18,206,000 | 18,839,000 |
| Risk-weighted assets | 85,429,000 | 88,243,000 | 92,007,000 | 95,807,000 |