Call reports 2011
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2011
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 105,346,000 | 112,978,000 | 112,046,000 | 113,698,000 |
| Total loans | 41,816,000 | 41,866,000 | 40,826,000 | 42,034,000 |
| Allowance for loan losses | 535,000 | 468,000 | 487,000 | 474,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,582,000 | 62,098,000 | 63,967,000 | 64,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,931,000 | 97,758,000 | 100,358,000 | 100,857,000 |
| Interest-bearing deposits | 78,901,000 | 83,537,000 | 82,859,000 | 83,637,000 |
| Noninterest-bearing deposits | 15,030,000 | 14,221,000 | 17,499,000 | 17,220,000 |
| Equity capital | 11,227,000 | 11,385,000 | 11,469,000 | 11,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,529,000 | 3,804,000 | 4,972,000 |
| Interest expense | 217,000 | 424,000 | 631,000 | 829,000 |
| Net interest income | 1,009,000 | 2,105,000 | 3,173,000 | 4,143,000 |
| Noninterest income | 96,000 | 298,000 | 493,000 | 727,000 |
| Noninterest expense | 592,000 | 1,263,000 | 1,947,000 | 2,770,000 |
| Provision for loan losses | 50,000 | 75,000 | 150,000 | 150,000 |
| Pretax income | 463,000 | 1,065,000 | 1,569,000 | 1,950,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 463,000 | 1,065,000 | 1,569,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,227,000 | 11,385,000 | 11,469,000 | 11,851,000 |
| Total capital | 11,762,000 | 11,853,000 | 11,956,000 | 12,325,000 |
| Risk-weighted assets | 49,735,000 | 51,207,000 | 50,490,000 | 52,749,000 |