Call reports 2004
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2004
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,312,000 | 67,493,000 | 68,255,000 | 69,140,000 |
| Total loans | 35,051,000 | 34,682,000 | 34,876,000 | 35,409,000 |
| Allowance for loan losses | 348,000 | 370,000 | 413,000 | 374,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,705,000 | 22,030,000 | 22,564,000 | 24,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,131,000 | 60,121,000 | 60,626,000 | 61,361,000 |
| Interest-bearing deposits | 49,111,000 | 50,073,000 | 51,052,000 | 51,258,000 |
| Noninterest-bearing deposits | 10,020,000 | 10,048,000 | 9,574,000 | 10,103,000 |
| Equity capital | 7,123,000 | 7,314,000 | 7,564,000 | 7,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 825,000 | 1,708,000 | 2,596,000 | 3,571,000 |
| Interest expense | 203,000 | 413,000 | 635,000 | 868,000 |
| Net interest income | 622,000 | 1,295,000 | 1,961,000 | 2,703,000 |
| Noninterest income | 175,000 | 359,000 | 560,000 | 823,000 |
| Noninterest expense | 431,000 | 932,000 | 1,374,000 | 1,983,000 |
| Provision for loan losses | 45,000 | 190,000 | 235,000 | 280,000 |
| Pretax income | 321,000 | 532,000 | 912,000 | 1,263,000 |
| Income tax | 108,000 | 128,000 | 258,000 | 103,000 |
| Net income | 213,000 | 404,000 | 654,000 | 1,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,123,000 | 7,314,000 | 7,564,000 | 7,720,000 |
| Total capital | 7,471,000 | 7,684,000 | 7,977,000 | 8,094,000 |
| Risk-weighted assets | 37,557,000 | 37,554,000 | 39,868,000 | 41,562,000 |
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