Call reports 2015
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2015
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,214,000 | 135,849,000 | 138,752,000 | 135,645,000 |
| Total loans | 60,340,000 | 61,853,000 | 65,415,000 | 66,847,000 |
| Allowance for loan losses | 667,000 | 695,000 | 741,000 | 754,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 67,299,000 | 67,198,000 | 66,359,000 | 62,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,368,000 | 118,350,000 | 116,649,000 | 118,786,000 |
| Interest-bearing deposits | 91,518,000 | 91,882,000 | 91,192,000 | 91,387,000 |
| Noninterest-bearing deposits | 25,850,000 | 26,468,000 | 25,457,000 | 27,399,000 |
| Equity capital | 16,051,000 | 16,106,000 | 16,436,000 | 16,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,627,000 | 3,975,000 | 5,325,000 |
| Interest expense | 149,000 | 299,000 | 455,000 | 615,000 |
| Net interest income | 1,183,000 | 2,328,000 | 3,520,000 | 4,710,000 |
| Noninterest income | 248,000 | 538,000 | 788,000 | 1,020,000 |
| Noninterest expense | 715,000 | 1,483,000 | 2,248,000 | 3,152,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 380,000 |
| Pretax income | 671,000 | 1,293,000 | 1,925,000 | 2,226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 671,000 | 1,293,000 | 1,925,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,051,000 | 16,106,000 | 16,436,000 | 16,397,000 |
| Total capital | 16,718,000 | 16,801,000 | 17,177,000 | 17,151,000 |
| Risk-weighted assets | 71,042,000 | 71,702,000 | 74,153,000 | 74,494,000 |