Call reports 2014
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2014
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 129,986,000 | 128,860,000 | 130,175,000 | 136,416,000 |
| Total loans | 52,699,000 | 54,283,000 | 57,227,000 | 59,118,000 |
| Allowance for loan losses | 585,000 | 583,000 | 590,000 | 629,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 70,478,000 | 67,269,000 | 65,960,000 | 70,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,705,000 | 113,534,000 | 113,524,000 | 119,149,000 |
| Interest-bearing deposits | 89,847,000 | 88,369,000 | 89,010,000 | 92,109,000 |
| Noninterest-bearing deposits | 23,858,000 | 25,165,000 | 24,514,000 | 27,040,000 |
| Equity capital | 14,831,000 | 14,999,000 | 15,813,000 | 15,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,654,000 | 3,971,000 | 5,313,000 |
| Interest expense | 145,000 | 286,000 | 430,000 | 578,000 |
| Net interest income | 1,184,000 | 2,368,000 | 3,541,000 | 4,735,000 |
| Noninterest income | 217,000 | 432,000 | 1,013,000 | 1,259,000 |
| Noninterest expense | 636,000 | 1,434,000 | 2,109,000 | 2,971,000 |
| Provision for loan losses | 23,000 | 23,000 | 33,000 | 93,000 |
| Pretax income | 742,000 | 1,343,000 | 2,412,000 | 2,930,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 742,000 | 1,343,000 | 2,412,000 | 2,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,831,000 | 14,999,000 | 15,813,000 | 15,527,000 |
| Total capital | 15,416,000 | 15,582,000 | 16,403,000 | 16,156,000 |
| Risk-weighted assets | 63,461,000 | 64,182,000 | 65,978,000 | 68,599,000 |