Call reports 2016
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2016
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,233,000 | 136,784,000 | 137,131,000 | 136,450,000 |
| Total loans | 67,288,000 | 67,480,000 | 68,293,000 | 67,806,000 |
| Allowance for loan losses | 797,000 | 837,000 | 859,000 | 867,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 60,568,000 | 60,156,000 | 60,354,000 | 58,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,930,000 | 119,355,000 | 119,303,000 | 118,895,000 |
| Interest-bearing deposits | 91,256,000 | 90,499,000 | 91,390,000 | 91,106,000 |
| Noninterest-bearing deposits | 26,674,000 | 28,856,000 | 27,913,000 | 27,789,000 |
| Equity capital | 17,107,000 | 17,190,000 | 17,583,000 | 17,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,358,000 | 2,645,000 | 3,937,000 | 5,212,000 |
| Interest expense | 153,000 | 304,000 | 462,000 | 619,000 |
| Net interest income | 1,205,000 | 2,341,000 | 3,475,000 | 4,593,000 |
| Noninterest income | 261,000 | 503,000 | 777,000 | 1,030,000 |
| Noninterest expense | 775,000 | 1,538,000 | 2,318,000 | 3,271,000 |
| Provision for loan losses | 45,000 | 70,000 | 85,000 | 100,000 |
| Pretax income | 710,000 | 1,300,000 | 1,913,000 | 2,316,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 710,000 | 1,300,000 | 1,913,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,107,000 | 17,190,000 | 17,583,000 | 17,364,000 |
| Total capital | 17,904,000 | 18,027,000 | 18,442,000 | 18,231,000 |
| Risk-weighted assets | 74,394,000 | 75,826,000 | 76,653,000 | 76,987,000 |