Call reports 2023
WEST TEXAS STATE BANK — 2023
What WEST TEXAS STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 236,027,000 | 252,967,000 | 261,158,000 | 281,971,000 |
| Total loans | 156,715,000 | 163,448,000 | 170,674,000 | 176,182,000 |
| Allowance for loan losses | 2,163,000 | 2,348,000 | 2,599,000 | 2,466,000 |
| Securities available for sale | 54,407,000 | 48,141,000 | 46,977,000 | 52,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,100,000 | 217,966,000 | 225,708,000 | 240,776,000 |
| Interest-bearing deposits | 155,746,000 | 157,517,000 | 156,586,000 | 161,425,000 |
| Noninterest-bearing deposits | 57,354,000 | 60,449,000 | 69,122,000 | 79,351,000 |
| Equity capital | 22,162,000 | 23,846,000 | 23,871,000 | 29,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,433,000 | 7,408,000 | 11,816,000 | 16,725,000 |
| Interest expense | 736,000 | 1,739,000 | 2,968,000 | 4,454,000 |
| Net interest income | 2,697,000 | 5,669,000 | 8,848,000 | 12,271,000 |
| Noninterest income | 236,000 | 491,000 | 748,000 | 996,000 |
| Noninterest expense | 1,257,000 | 2,675,000 | 4,109,000 | 5,690,000 |
| Provision for loan losses | 295,000 | 480,000 | 735,000 | 606,000 |
| Pretax income | 945,000 | 2,520,000 | 4,267,000 | 6,357,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 945,000 | 2,520,000 | 4,267,000 | 6,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,050,000 | 25,359,000 | 27,352,000 | 29,940,000 |
| Total capital | 25,639,000 | 27,133,000 | 29,378,000 | — |
| Risk-weighted assets | 188,146,000 | 204,711,000 | 202,226,000 | — |