Call reports 2021
WEST TEXAS STATE BANK — 2021
What WEST TEXAS STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 186,238,000 | 182,082,000 | 184,604,000 | 189,037,000 |
| Total loans | 59,496,000 | 69,924,000 | 80,914,000 | 84,321,000 |
| Allowance for loan losses | 114,000 | 345,000 | 444,000 | 525,000 |
| Securities available for sale | 78,021,000 | 77,711,000 | 65,946,000 | 70,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,426,000 | 158,173,000 | 159,162,000 | 163,162,000 |
| Interest-bearing deposits | 114,022,000 | 111,215,000 | 110,068,000 | 115,423,000 |
| Noninterest-bearing deposits | 49,404,000 | 46,958,000 | 49,094,000 | 47,739,000 |
| Equity capital | 22,587,000 | 23,373,000 | 24,927,000 | 25,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,272,000 | 3,542,000 | 5,011,000 |
| Interest expense | 111,000 | 194,000 | 280,000 | 358,000 |
| Net interest income | 1,089,000 | 2,078,000 | 3,262,000 | 4,653,000 |
| Noninterest income | 144,000 | 294,000 | 590,000 | 1,116,000 |
| Noninterest expense | 782,000 | 1,586,000 | 2,469,000 | 3,383,000 |
| Provision for loan losses | 100,000 | 270,000 | 470,000 | 551,000 |
| Pretax income | 329,000 | 494,000 | 899,000 | 1,821,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 494,000 | 899,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,134,000 | 17,321,000 | 18,711,000 | 19,906,000 |
| Total capital | 17,248,000 | 17,666,000 | 19,155,000 | 20,431,000 |
| Risk-weighted assets | 86,962,000 | 92,494,000 | 101,630,000 | 113,923,000 |