Call reports 2020
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2020
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 158,203,000 | 165,672,000 | 166,943,000 | 172,914,000 |
| Total loans | 78,337,000 | 77,224,000 | 73,196,000 | 74,897,000 |
| Allowance for loan losses | 876,000 | 872,000 | 938,000 | 958,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 71,441,000 | 75,956,000 | 77,465,000 | 76,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,213,000 | 143,411,000 | 144,562,000 | 150,615,000 |
| Interest-bearing deposits | 103,236,000 | 106,188,000 | 107,634,000 | 110,304,000 |
| Noninterest-bearing deposits | 32,977,000 | 37,223,000 | 36,928,000 | 40,311,000 |
| Equity capital | 21,756,000 | 22,032,000 | 22,176,000 | 22,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,515,000 | 2,952,000 | 4,309,000 | 5,621,000 |
| Interest expense | 271,000 | 521,000 | 748,000 | 930,000 |
| Net interest income | 1,244,000 | 2,431,000 | 3,561,000 | 4,691,000 |
| Noninterest income | 400,000 | 657,000 | 967,000 | 1,264,000 |
| Noninterest expense | 816,000 | 1,666,000 | 2,557,000 | 3,628,000 |
| Provision for loan losses | 0 | 30,000 | 105,000 | 125,000 |
| Pretax income | 828,000 | 1,392,000 | 1,866,000 | 2,235,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 828,000 | 1,392,000 | 1,866,000 | 2,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,756,000 | 22,032,000 | 22,176,000 | 22,181,000 |