Call reports 2005
FIRST STATE BANK CENTRAL TEXAS — 2005
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 640,563,000 | 648,903,000 | 682,764,000 | 724,429,000 |
| Total loans | 455,580,000 | 468,555,000 | 467,062,000 | 495,513,000 |
| Allowance for loan losses | 5,944,000 | 5,814,000 | 6,208,000 | 6,285,000 |
| Securities available for sale | 116,256,000 | 117,794,000 | 125,774,000 | 152,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,676,000 | 545,033,000 | 572,309,000 | 603,465,000 |
| Interest-bearing deposits | 386,392,000 | 393,608,000 | 415,163,000 | 433,037,000 |
| Noninterest-bearing deposits | 145,284,000 | 151,425,000 | 157,146,000 | 170,428,000 |
| Equity capital | 51,799,000 | 56,402,000 | 58,952,000 | 61,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,320,000 | 19,501,000 | 30,453,000 | 42,562,000 |
| Interest expense | 2,185,000 | 4,635,000 | 7,478,000 | 10,751,000 |
| Net interest income | 7,135,000 | 14,866,000 | 22,975,000 | 31,811,000 |
| Noninterest income | 1,260,000 | 2,667,000 | 4,199,000 | 5,705,000 |
| Noninterest expense | 4,355,000 | 8,812,000 | 13,266,000 | 18,163,000 |
| Provision for loan losses | 180,000 | 61,000 | 121,000 | 301,000 |
| Pretax income | 3,905,000 | 8,721,000 | 13,874,000 | 19,131,000 |
| Income tax | 959,000 | 2,536,000 | 4,386,000 | 6,203,000 |
| Net income | 2,946,000 | 6,185,000 | 9,488,000 | 12,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,487,000 | 50,808,000 | 54,192,000 | 54,321,000 |
| Total capital | 53,431,000 | 56,622,000 | 60,400,000 | 60,606,000 |
| Risk-weighted assets | 486,401,000 | 508,272,000 | 512,078,000 | 543,583,000 |