Call reports 2005
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2005
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,673,000 | 73,334,000 | 75,311,000 | 75,190,000 |
| Total loans | 36,974,000 | 37,135,000 | 36,377,000 | 35,592,000 |
| Allowance for loan losses | 388,000 | 302,000 | 325,000 | 581,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,348,000 | 25,020,000 | 27,660,000 | 29,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,504,000 | 65,278,000 | 66,834,000 | 67,192,000 |
| Interest-bearing deposits | 52,678,000 | 53,140,000 | 55,015,000 | 55,589,000 |
| Noninterest-bearing deposits | 10,826,000 | 12,138,000 | 11,820,000 | 11,603,000 |
| Equity capital | 8,110,000 | 7,992,000 | 8,350,000 | 7,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,903,000 | 2,921,000 | 3,985,000 |
| Interest expense | 245,000 | 524,000 | 855,000 | 1,230,000 |
| Net interest income | 672,000 | 1,379,000 | 2,066,000 | 2,755,000 |
| Noninterest income | 198,000 | 431,000 | 610,000 | 780,000 |
| Noninterest expense | 435,000 | 1,448,000 | 1,911,000 | 2,915,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 480,000 |
| Pretax income | 390,000 | 272,000 | 630,000 | 140,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 390,000 | 272,000 | 630,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,110,000 | 7,992,000 | 8,350,000 | 7,859,000 |
| Total capital | 8,498,000 | 8,294,000 | 8,675,000 | 8,388,000 |
| Risk-weighted assets | 43,068,000 | 43,332,000 | 42,933,000 | 42,296,000 |
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