Call reports 2016
WEST TEXAS STATE BANK — 2016
What WEST TEXAS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 137,280,000 | 132,976,000 | 129,226,000 | 125,508,000 |
| Total loans | 73,960,000 | 75,721,000 | 78,461,000 | 78,794,000 |
| Allowance for loan losses | 1,617,000 | 3,059,000 | 3,060,000 | 3,682,000 |
| Securities available for sale | 50,712,000 | 41,962,000 | 40,045,000 | 34,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,228,000 | 116,548,000 | 111,628,000 | 110,763,000 |
| Interest-bearing deposits | 85,775,000 | 84,140,000 | 78,989,000 | 77,296,000 |
| Noninterest-bearing deposits | 34,453,000 | 32,408,000 | 32,639,000 | 33,467,000 |
| Equity capital | 16,664,000 | 15,733,000 | 16,150,000 | 14,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,369,000 | 3,542,000 | 4,680,000 |
| Interest expense | 56,000 | 111,000 | 164,000 | 222,000 |
| Net interest income | 1,183,000 | 2,258,000 | 3,378,000 | 4,458,000 |
| Noninterest income | 152,000 | 306,000 | 465,000 | 632,000 |
| Noninterest expense | 812,000 | 1,659,000 | 2,480,000 | 3,332,000 |
| Provision for loan losses | 640,000 | 2,080,000 | 2,080,000 | 3,380,000 |
| Pretax income | -106,000 | -1,131,000 | -673,000 | -1,564,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -106,000 | -1,131,000 | -673,000 | -1,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,168,000 | 15,144,000 | 15,602,000 | 14,711,000 |
| Total capital | 17,360,000 | 16,363,000 | 16,851,000 | 15,956,000 |
| Risk-weighted assets | 95,011,000 | 95,712,000 | 98,127,000 | 97,236,000 |