Call reports 2017
WEST TEXAS STATE BANK — 2017
What WEST TEXAS STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 121,703,000 | 120,898,000 | 118,154,000 | 121,820,000 |
| Total loans | 74,591,000 | 75,594,000 | 71,452,000 | 66,228,000 |
| Allowance for loan losses | 3,686,000 | 2,641,000 | 1,468,000 | 1,596,000 |
| Securities available for sale | 32,546,000 | 31,115,000 | 29,661,000 | 33,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,441,000 | 105,649,000 | 102,609,000 | 106,888,000 |
| Interest-bearing deposits | 72,642,000 | 71,028,000 | 68,480,000 | 73,267,000 |
| Noninterest-bearing deposits | 33,799,000 | 34,621,000 | 34,129,000 | 33,621,000 |
| Equity capital | 14,832,000 | 14,693,000 | 14,890,000 | 14,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,149,000 | 3,228,000 | 4,289,000 |
| Interest expense | 60,000 | 121,000 | 186,000 | 255,000 |
| Net interest income | 1,005,000 | 2,028,000 | 3,042,000 | 4,034,000 |
| Noninterest income | 170,000 | 327,000 | 470,000 | 691,000 |
| Noninterest expense | 875,000 | 1,745,000 | 2,648,000 | 3,791,000 |
| Provision for loan losses | 0 | 725,000 | 725,000 | 859,000 |
| Pretax income | 300,000 | -104,000 | 150,000 | 89,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 300,000 | -104,000 | 150,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,011,000 | 14,607,000 | 14,862,000 | 14,800,000 |
| Total capital | 16,182,000 | 15,760,000 | 15,946,000 | 15,826,000 |
| Risk-weighted assets | 91,188,000 | 90,791,000 | 86,396,000 | 81,586,000 |