Call reports 2009
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2009
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 87,274,000 | 92,591,000 | 92,412,000 | 95,295,000 |
| Total loans | 40,183,000 | 40,800,000 | 42,919,000 | 43,427,000 |
| Allowance for loan losses | 550,000 | 504,000 | 578,000 | 600,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,725,000 | 37,607,000 | 43,359,000 | 45,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,434,000 | 82,619,000 | 81,341,000 | 83,960,000 |
| Interest-bearing deposits | 64,959,000 | 69,045,000 | 68,867,000 | 71,344,000 |
| Noninterest-bearing deposits | 12,475,000 | 13,574,000 | 12,474,000 | 12,616,000 |
| Equity capital | 9,565,000 | 9,651,000 | 9,780,000 | 10,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,433,000 | 3,754,000 | 5,072,000 |
| Interest expense | 383,000 | 777,000 | 1,124,000 | 1,435,000 |
| Net interest income | 838,000 | 1,656,000 | 2,630,000 | 3,637,000 |
| Noninterest income | 194,000 | 405,000 | 570,000 | 778,000 |
| Noninterest expense | 615,000 | 1,407,000 | 2,217,000 | 3,135,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 372,000 | 564,000 | 848,000 | 1,100,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 372,000 | 564,000 | 848,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,565,000 | 9,651,000 | 9,780,000 | 10,031,000 |
| Total capital | 10,115,000 | 10,155,000 | 10,358,000 | 10,631,000 |
| Risk-weighted assets | 48,154,000 | 49,732,000 | 51,098,000 | 52,428,000 |
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