Call reports 2006
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2006
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 75,238,000 | 74,928,000 | 76,953,000 | 76,964,000 |
| Total loans | 34,073,000 | 34,196,000 | 34,505,000 | 34,655,000 |
| Allowance for loan losses | 513,000 | 525,000 | 560,000 | 612,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,696,000 | 31,274,000 | 31,062,000 | 32,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,825,000 | 66,340,000 | 68,248,000 | 68,304,000 |
| Interest-bearing deposits | 55,217,000 | 53,661,000 | 55,836,000 | 56,663,000 |
| Noninterest-bearing deposits | 11,608,000 | 12,679,000 | 12,412,000 | 11,641,000 |
| Equity capital | 8,259,000 | 8,430,000 | 8,528,000 | 8,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,055,000 | 2,142,000 | 3,250,000 | 4,400,000 |
| Interest expense | 401,000 | 831,000 | 1,312,000 | 1,855,000 |
| Net interest income | 654,000 | 1,311,000 | 1,938,000 | 2,545,000 |
| Noninterest income | 212,000 | 404,000 | 600,000 | 762,000 |
| Noninterest expense | 422,000 | 949,000 | 1,507,000 | 2,301,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 399,000 | 676,000 | 896,000 | 826,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 676,000 | 896,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,259,000 | 8,430,000 | 8,528,000 | 8,457,000 |
| Total capital | 8,772,000 | 8,952,000 | 9,067,000 | 8,997,000 |
| Risk-weighted assets | 41,626,000 | 41,763,000 | 43,110,000 | 43,163,000 |
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