Call reports 2020
WEST TEXAS STATE BANK — 2020
What WEST TEXAS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 144,313,000 | 160,712,000 | 156,017,000 | 184,792,000 |
| Total loans | 61,630,000 | 62,625,000 | 59,236,000 | 56,305,000 |
| Allowance for loan losses | 1,099,000 | 1,321,000 | 1,326,000 | 3,000 |
| Securities available for sale | 60,251,000 | 68,621,000 | 64,854,000 | 61,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,132,000 | 140,659,000 | 135,249,000 | 161,790,000 |
| Interest-bearing deposits | 86,959,000 | 97,341,000 | 92,962,000 | 111,499,000 |
| Noninterest-bearing deposits | 40,173,000 | 43,318,000 | 42,287,000 | 50,291,000 |
| Equity capital | 16,614,000 | 19,293,000 | 19,915,000 | 22,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,314,000 | 2,546,000 | 3,749,000 | 351,000 |
| Interest expense | 199,000 | 326,000 | 444,000 | 42,000 |
| Net interest income | 1,115,000 | 2,220,000 | 3,305,000 | 309,000 |
| Noninterest income | 166,000 | 900,000 | 1,059,000 | 56,000 |
| Noninterest expense | 873,000 | 1,646,000 | 2,440,000 | 242,000 |
| Provision for loan losses | 0 | 350,000 | 350,000 | 0 |
| Pretax income | 735,000 | 1,451,000 | 1,901,000 | 123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 735,000 | 1,451,000 | 1,901,000 | 123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,334,000 | 17,049,000 | 17,299,000 | 15,780,000 |
| Total capital | 17,389,000 | 18,135,000 | 18,345,000 | 15,783,000 |
| Risk-weighted assets | 84,388,000 | 86,647,000 | 83,420,000 | 76,830,000 |