Call reports 2025
WEST TEXAS STATE BANK — 2025
What WEST TEXAS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 310,637,000 | 348,209,000 | 363,866,000 | 380,914,000 |
| Total loans | 216,416,000 | 239,059,000 | 237,909,000 | 246,809,000 |
| Allowance for loan losses | 2,990,000 | 3,594,000 | 3,546,000 | 3,577,000 |
| Securities available for sale | 53,157,000 | 52,888,000 | 56,737,000 | 61,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,988,000 | 308,497,000 | 319,996,000 | 335,071,000 |
| Interest-bearing deposits | 193,585,000 | 219,129,000 | 228,596,000 | 243,987,000 |
| Noninterest-bearing deposits | 79,403,000 | 89,368,000 | 91,400,000 | 91,084,000 |
| Equity capital | 35,971,000 | 36,485,000 | 39,925,000 | 42,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,465,000 | 11,247,000 | 17,286,000 | 23,677,000 |
| Interest expense | 1,785,000 | 3,556,000 | 5,559,000 | 7,669,000 |
| Net interest income | 3,680,000 | 7,691,000 | 11,727,000 | 16,008,000 |
| Noninterest income | 298,000 | 624,000 | 768,000 | 1,137,000 |
| Noninterest expense | 1,851,000 | 3,754,000 | 5,826,000 | 7,969,000 |
| Provision for loan losses | 8,000 | 613,000 | 613,000 | 640,000 |
| Pretax income | 2,107,000 | 3,890,000 | 5,998,000 | 8,189,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,107,000 | 3,890,000 | 5,998,000 | 8,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,819,000 | 38,012,000 | 39,568,000 | 41,231,000 |