Call reports 2025
FIRST STATE BANK OF BEN WHEELER, TEXAS — 2025
What FIRST STATE BANK OF BEN WHEELER, TEXAS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 185,823,000 | 181,674,000 | 181,467,000 | 184,266,000 |
| Total loans | 69,564,000 | 68,751,000 | 68,979,000 | 69,267,000 |
| Allowance for loan losses | 1,027,000 | 1,027,000 | 1,043,000 | 1,043,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 104,926,000 | 102,553,000 | 99,919,000 | 99,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,377,000 | 153,858,000 | 153,200,000 | 156,446,000 |
| Interest-bearing deposits | 118,021,000 | 112,231,000 | 113,826,000 | 115,422,000 |
| Noninterest-bearing deposits | 40,356,000 | 41,627,000 | 39,374,000 | 41,024,000 |
| Equity capital | 27,257,000 | 27,661,000 | 28,101,000 | 27,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,844,000 | 3,698,000 | 5,563,000 | 7,483,000 |
| Interest expense | 545,000 | 1,067,000 | 1,588,000 | 2,141,000 |
| Net interest income | 1,299,000 | 2,631,000 | 3,975,000 | 5,342,000 |
| Noninterest income | 397,000 | 711,000 | 1,034,000 | 1,384,000 |
| Noninterest expense | 1,051,000 | 2,246,000 | 3,323,000 | 4,590,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 600,000 | 1,051,000 | 1,641,000 | 2,017,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 600,000 | 1,051,000 | 1,641,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,257,000 | 27,661,000 | 28,101,000 | 27,709,000 |