Call reports 2008
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2008
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 82,630,000 | 82,210,000 | 82,132,000 | 81,873,000 |
| Total loans | 38,367,000 | 39,800,000 | 39,331,000 | 40,244,000 |
| Allowance for loan losses | 421,000 | 406,000 | 200,000 | 499,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,753,000 | 31,907,000 | 31,150,000 | 32,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,122,000 | 72,485,000 | 72,309,000 | 72,362,000 |
| Interest-bearing deposits | 59,857,000 | 59,143,000 | 60,131,000 | 60,335,000 |
| Noninterest-bearing deposits | 13,265,000 | 13,342,000 | 12,178,000 | 12,027,000 |
| Equity capital | 9,087,000 | 9,317,000 | 9,506,000 | 9,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,465,000 | 3,648,000 | 4,907,000 |
| Interest expense | 558,000 | 1,046,000 | 1,487,000 | 1,891,000 |
| Net interest income | 663,000 | 1,419,000 | 2,161,000 | 3,016,000 |
| Noninterest income | 214,000 | 403,000 | 616,000 | 717,000 |
| Noninterest expense | 594,000 | 1,263,000 | 1,833,000 | 2,649,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 430,000 |
| Pretax income | 238,000 | 469,000 | 809,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 469,000 | 809,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,087,000 | 9,317,000 | 9,506,000 | 9,350,000 |
| Total capital | 9,508,000 | 9,723,000 | 9,706,000 | 9,849,000 |
| Risk-weighted assets | 44,442,000 | 46,000,000 | 46,556,000 | 46,973,000 |
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