Call reports 2004
FIRST STATE BANK CENTRAL TEXAS — 2004
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 537,942,000 | 574,885,000 | 595,490,000 | 619,362,000 |
| Total loans | 366,091,000 | 405,405,000 | 424,072,000 | 440,885,000 |
| Allowance for loan losses | 4,863,000 | 6,147,000 | 5,968,000 | 5,778,000 |
| Securities available for sale | 121,643,000 | 123,408,000 | 118,342,000 | 121,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,990,000 | 478,306,000 | 496,226,000 | 508,179,000 |
| Interest-bearing deposits | 341,447,000 | 359,186,000 | 364,230,000 | 370,237,000 |
| Noninterest-bearing deposits | 112,543,000 | 119,120,000 | 131,996,000 | 137,942,000 |
| Equity capital | 44,900,000 | 44,487,000 | 48,487,000 | 50,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,844,000 | 14,501,000 | 22,581,000 | 31,247,000 |
| Interest expense | 1,544,000 | 3,146,000 | 4,871,000 | 6,756,000 |
| Net interest income | 5,300,000 | 11,355,000 | 17,710,000 | 24,491,000 |
| Noninterest income | 1,180,000 | 2,481,000 | 3,842,000 | 5,022,000 |
| Noninterest expense | 3,749,000 | 7,531,000 | 11,594,000 | 15,910,000 |
| Provision for loan losses | 300,000 | 0 | 0 | 0 |
| Pretax income | 2,613,000 | 6,499,000 | 10,181,000 | 13,872,000 |
| Income tax | 850,000 | 2,683,000 | 3,873,000 | 5,069,000 |
| Net income | 1,763,000 | 3,816,000 | 6,308,000 | 8,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,503,000 | 39,637,000 | 42,212,000 | 44,459,000 |
| Total capital | 42,366,000 | 45,172,000 | 48,081,000 | 50,237,000 |
| Risk-weighted assets | 407,113,000 | 442,211,000 | 469,461,000 | 482,961,000 |