Vitals
  • Total Assets
    125.5M -12.5 %
  • Total Deposits
    110.8M -10.8 %
  • Total Net Loans
    75.1M 1.0 %
  • Net Income
    -1564000.0000 -175.4 %
  • Book Value
    14.4M -20.9 %
  • Book Value x2
    28.8M -20.9 %
  • Book Value x3
    43.2M -20.9 %
ROAA

-1.169

ROAE

-9.634

Efficiency Ratio

65.462

Net Interest Margin

3.595

Balance Sheet Highlights
Financial Highlights West Texas State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 125,508 358,087
Total Net Loans 75,112 213,533
Total Deposits 110,763 308,027
Total Equity 14,413 38,740
Profitability
Net Income -1,564 3,845
Return on Average Assets -1.169 1.025
Return on Average Equity -9.634 9.415
Net Interest Margin 3.595 3.773
Efficiency Ratio 65.462 66.762
Noninterest Income/Revenue 11.898 16.375
Balance Sheet Ratios
Loan-to-Deposit 67.813 65.494
Securities/Assets .272 .214
Total Equity/Total Assets .115 .108
Tangible Equity/Tangible Assets .115 .104
Capital Adequacy
Tier 1 Common Capital 14,711 37,278
Tier 1 Capital 14,711 37,303
Tier 2 Capital 1,245 2,526
Total Capital 15,956 39,866
Total Risk Weighted Assets 97,236 237,367
Leverage Ratio 11.47 10.563
Common Equity Tier 1 Capital Ratio 15.13 18.073
Tier 1 Capital Ratio 15.13 18.097
Total Capital Ratio 16.41 19.169

Timeline for West Texas State Bank

Wtsb Bancorp, Inc.

Wtsb Bancorp, Inc. became a new parent organization for West Texas State Bank.

View Profile May 18 2010

Wtsb Delaware Bancorp, Inc.

Wtsb Delaware Bancorp, Inc. became a new parent organization for West Texas State Bank.

View Profile Sep 30 1998

The First National Bank Of Rowena

Acquisition: West Texas State Bank acquired a new subsidiary, The First National Bank Of Rowena, 27 years

View Profile Jun 14 1997

West Texas State Bank

West Texas State Bank was established 74 years ago and is currently headquartered in Snyder, TX.

Jan 14 1950
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Rowena Seller 12,279 Acquisition Discontinued 6/14/1997
Relationships Role Relationship Start Relationship End
Wtsb Bancorp, Inc. Parent 5/18/2010
Wtsb Delaware Bancorp, Inc. Parent 9/30/1998 5/17/2010
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