Call reports 2024
WEST TEXAS STATE BANK — 2024
What WEST TEXAS STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 292,069,000 | 296,250,000 | 305,868,000 | 320,037,000 |
| Total loans | 194,493,000 | 209,371,000 | 208,635,000 | 214,851,000 |
| Allowance for loan losses | 2,506,000 | 3,034,000 | 2,667,000 | 2,982,000 |
| Securities available for sale | 53,940,000 | 48,399,000 | 48,896,000 | 51,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,554,000 | 257,571,000 | 268,793,000 | 283,035,000 |
| Interest-bearing deposits | 170,993,000 | 181,503,000 | 191,103,000 | 205,718,000 |
| Noninterest-bearing deposits | 78,561,000 | 76,068,000 | 77,690,000 | 77,317,000 |
| Equity capital | 30,185,000 | 31,541,000 | 34,429,000 | 34,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,925,000 | 10,313,000 | 15,819,000 | 21,568,000 |
| Interest expense | 1,664,000 | 3,450,000 | 5,320,000 | 7,199,000 |
| Net interest income | 3,261,000 | 6,863,000 | 10,499,000 | 14,369,000 |
| Noninterest income | 270,000 | 510,000 | 791,000 | 1,215,000 |
| Noninterest expense | 1,500,000 | 3,081,000 | 4,740,000 | 6,363,000 |
| Provision for loan losses | 41,000 | 569,000 | 959,000 | 1,368,000 |
| Pretax income | 1,981,000 | 3,324,000 | 4,962,000 | 7,242,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,981,000 | 3,324,000 | 4,962,000 | 7,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,134,000 | 32,284,000 | 33,745,000 | 35,472,000 |