Call reports 2008
FIRST BANK & TRUST EAST TEXAS — 2008
What FIRST BANK & TRUST EAST TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 610,264,000 | 618,656,000 | 678,989,000 | 687,461,000 |
| Total loans | 390,073,000 | 421,546,000 | 445,438,000 | 457,646,000 |
| Allowance for loan losses | 4,007,000 | 4,276,000 | 4,497,000 | 4,557,000 |
| Securities available for sale | 137,083,000 | 127,825,000 | 121,136,000 | 128,617,000 |
| Securities held to maturity | 1,280,000 | 1,280,000 | 560,000 | 560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,690,000 | 555,508,000 | 613,346,000 | 621,964,000 |
| Interest-bearing deposits | 375,634,000 | 380,495,000 | 392,448,000 | 414,492,000 |
| Noninterest-bearing deposits | 170,056,000 | 175,013,000 | 220,898,000 | 207,472,000 |
| Equity capital | 61,193,000 | 60,752,000 | 62,843,000 | 63,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,416,000 | 18,513,000 | 27,821,000 | 36,834,000 |
| Interest expense | 2,446,000 | 4,512,000 | 6,588,000 | 8,441,000 |
| Net interest income | 6,970,000 | 14,001,000 | 21,233,000 | 28,393,000 |
| Noninterest income | 2,205,000 | 4,455,000 | 6,748,000 | 8,891,000 |
| Noninterest expense | 5,702,000 | 11,654,000 | 17,285,000 | 24,001,000 |
| Provision for loan losses | 230,000 | 622,000 | 1,097,000 | 1,804,000 |
| Pretax income | 3,243,000 | 6,180,000 | 9,599,000 | 11,479,000 |
| Income tax | 989,000 | 1,888,000 | 2,947,000 | 3,477,000 |
| Net income | 2,254,000 | 4,292,000 | 6,652,000 | 8,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,521,000 | 53,709,000 | 55,225,000 | 54,884,000 |
| Total capital | 56,528,000 | 57,985,000 | 59,722,000 | 59,441,000 |
| Risk-weighted assets | 431,452,000 | 450,300,000 | 475,562,000 | 483,810,000 |