Call reports 2013
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2013
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 121,450,000 | 122,932,000 | 124,671,000 | 130,069,000 |
| Total loans | 46,151,000 | 47,786,000 | 48,685,000 | 49,826,000 |
| Allowance for loan losses | 567,000 | 560,000 | 563,000 | 564,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 68,765,000 | 67,215,000 | 67,127,000 | 73,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,630,000 | 108,798,000 | 109,980,000 | 110,939,000 |
| Interest-bearing deposits | 88,867,000 | 88,939,000 | 89,244,000 | 89,752,000 |
| Noninterest-bearing deposits | 17,763,000 | 19,859,000 | 20,736,000 | 21,187,000 |
| Equity capital | 13,589,000 | 13,884,000 | 14,231,000 | 14,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,222,000 | 2,395,000 | 3,598,000 | 4,908,000 |
| Interest expense | 159,000 | 307,000 | 452,000 | 592,000 |
| Net interest income | 1,063,000 | 2,088,000 | 3,146,000 | 4,316,000 |
| Noninterest income | 204,000 | 409,000 | 624,000 | 865,000 |
| Noninterest expense | 615,000 | 1,122,000 | 1,860,000 | 2,713,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 652,000 | 1,375,000 | 1,910,000 | 2,468,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 652,000 | 1,375,000 | 1,910,000 | 2,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,589,000 | 13,884,000 | 14,231,000 | 14,289,000 |
| Total capital | 14,156,000 | 14,444,000 | 14,794,000 | 14,853,000 |
| Risk-weighted assets | 57,540,000 | 58,563,000 | 59,686,000 | 61,308,000 |