Call reports 2003
FIRST STATE BANK CENTRAL TEXAS — 2003
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 480,765,000 | 488,035,000 | 503,930,000 | 539,749,000 |
| Total loans | 294,680,000 | 297,184,000 | 307,972,000 | 350,657,000 |
| Allowance for loan losses | 3,966,000 | 4,287,000 | 4,450,000 | 4,737,000 |
| Securities available for sale | 148,287,000 | 146,484,000 | 137,025,000 | 139,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,256,000 | 416,851,000 | 436,704,000 | 466,485,000 |
| Interest-bearing deposits | 331,465,000 | 324,348,000 | 338,206,000 | 351,106,000 |
| Noninterest-bearing deposits | 85,791,000 | 92,503,000 | 98,498,000 | 115,379,000 |
| Equity capital | 39,181,000 | 41,167,000 | 40,757,000 | 42,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,149,000 | 12,400,000 | 18,682,000 | 25,333,000 |
| Interest expense | 1,922,000 | 3,719,000 | 5,345,000 | 6,874,000 |
| Net interest income | 4,227,000 | 8,681,000 | 13,337,000 | 18,459,000 |
| Noninterest income | 1,001,000 | 2,105,000 | 3,605,000 | 4,763,000 |
| Noninterest expense | 3,262,000 | 6,488,000 | 10,497,000 | 14,091,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,772,000 | 4,302,000 | 6,209,000 | 8,776,000 |
| Income tax | 555,000 | 1,358,000 | 1,941,000 | 2,698,000 |
| Net income | 1,217,000 | 2,944,000 | 4,268,000 | 6,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,266,000 | 33,073,000 | 33,966,000 | 35,857,000 |
| Total capital | 35,232,000 | 37,360,000 | 38,416,000 | 40,594,000 |
| Risk-weighted assets | 341,583,000 | 345,383,000 | 359,841,000 | 396,957,000 |