Call reports 2022
WEST TEXAS STATE BANK — 2022
What WEST TEXAS STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 197,229,000 | 193,444,000 | 218,295,000 | 224,067,000 |
| Total loans | 93,789,000 | 103,557,000 | 119,955,000 | 132,625,000 |
| Allowance for loan losses | 722,000 | 763,000 | 900,000 | 1,108,000 |
| Securities available for sale | 69,769,000 | 68,145,000 | 52,832,000 | 55,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,692,000 | 175,536,000 | 199,072,000 | 201,878,000 |
| Interest-bearing deposits | 118,629,000 | 119,965,000 | 137,964,000 | 142,141,000 |
| Noninterest-bearing deposits | 56,063,000 | 55,571,000 | 61,108,000 | 59,737,000 |
| Equity capital | 22,271,000 | 17,557,000 | 18,655,000 | 21,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,041,000 | 3,827,000 | 6,245,000 | 9,141,000 |
| Interest expense | 85,000 | 197,000 | 445,000 | 906,000 |
| Net interest income | 1,956,000 | 3,630,000 | 5,800,000 | 8,235,000 |
| Noninterest income | 209,000 | 398,000 | 595,000 | 788,000 |
| Noninterest expense | 947,000 | 2,023,000 | 3,145,000 | 4,284,000 |
| Provision for loan losses | 200,000 | 275,000 | 410,000 | 620,000 |
| Pretax income | 1,018,000 | 1,730,000 | 1,869,000 | 3,148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,018,000 | 1,730,000 | 1,869,000 | 3,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,598,000 | 20,970,000 | 22,061,000 | 23,617,000 |
| Total capital | 21,320,000 | 21,733,000 | 22,961,000 | 24,725,000 |
| Risk-weighted assets | 123,695,000 | 132,869,000 | 146,863,000 | 165,308,000 |