Call reports 2012
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2012
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 115,974,000 | 119,393,000 | 117,273,000 | 121,881,000 |
| Total loans | 42,305,000 | 44,536,000 | 43,755,000 | 44,989,000 |
| Allowance for loan losses | 538,000 | 538,000 | 590,000 | 556,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 66,893,000 | 67,979,000 | 66,289,000 | 69,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,005,000 | 103,492,000 | 104,249,000 | 108,278,000 |
| Interest-bearing deposits | 84,962,000 | 86,044,000 | 87,106,000 | 89,679,000 |
| Noninterest-bearing deposits | 18,043,000 | 17,448,000 | 17,143,000 | 18,599,000 |
| Equity capital | 12,346,000 | 12,453,000 | 12,752,000 | 12,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,401,000 | 3,607,000 | 4,809,000 |
| Interest expense | 190,000 | 375,000 | 560,000 | 730,000 |
| Net interest income | 984,000 | 2,026,000 | 3,047,000 | 4,079,000 |
| Noninterest income | 227,000 | 426,000 | 645,000 | 853,000 |
| Noninterest expense | 611,000 | 1,345,000 | 2,033,000 | 2,816,000 |
| Provision for loan losses | 80,000 | 80,000 | 135,000 | 135,000 |
| Pretax income | 520,000 | 1,027,000 | 1,524,000 | 1,981,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 520,000 | 1,027,000 | 1,524,000 | 1,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,346,000 | 12,453,000 | 12,752,000 | 12,961,000 |
| Total capital | 12,884,000 | 12,991,000 | 13,342,000 | 13,517,000 |
| Risk-weighted assets | 53,123,000 | 55,483,000 | 55,412,000 | 56,738,000 |