Call reports 2007
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2007
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,875,000 | 82,662,000 | 82,211,000 | 82,623,000 |
| Total loans | 35,497,000 | 36,296,000 | 38,421,000 | 38,593,000 |
| Allowance for loan losses | 516,000 | 546,000 | 560,000 | 344,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,618,000 | 34,321,000 | 34,322,000 | 34,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,050,000 | 73,689,000 | 73,108,000 | 73,273,000 |
| Interest-bearing deposits | 59,214,000 | 61,462,000 | 60,841,000 | 60,624,000 |
| Noninterest-bearing deposits | 12,836,000 | 12,227,000 | 12,267,000 | 12,649,000 |
| Equity capital | 8,608,000 | 8,747,000 | 8,878,000 | 9,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,449,000 | 3,750,000 | 5,012,000 |
| Interest expense | 576,000 | 1,183,000 | 1,815,000 | 2,420,000 |
| Net interest income | 638,000 | 1,266,000 | 1,935,000 | 2,592,000 |
| Noninterest income | 183,000 | 387,000 | 590,000 | 800,000 |
| Noninterest expense | 473,000 | 1,015,000 | 1,583,000 | 2,281,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 150,000 |
| Pretax income | 303,000 | 548,000 | 837,000 | 961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 303,000 | 548,000 | 837,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,608,000 | 8,747,000 | 8,878,000 | 9,003,000 |
| Total capital | 9,124,000 | 9,293,000 | 9,438,000 | 9,347,000 |
| Risk-weighted assets | 43,762,000 | 43,154,000 | 44,250,000 | 45,048,000 |
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