Call reports 2006
FIRST STATE BANK CENTRAL TEXAS — 2006
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 756,304,000 | 812,306,000 | 811,765,000 | 828,266,000 |
| Total loans | 510,199,000 | 504,717,000 | 515,520,000 | 515,923,000 |
| Allowance for loan losses | 6,520,000 | 6,573,000 | 6,650,000 | 6,756,000 |
| Securities available for sale | 146,261,000 | 206,200,000 | 210,840,000 | 217,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 622,138,000 | 675,883,000 | 666,808,000 | 671,786,000 |
| Interest-bearing deposits | 456,565,000 | 533,135,000 | 491,488,000 | 494,058,000 |
| Noninterest-bearing deposits | 165,573,000 | 142,748,000 | 175,320,000 | 177,728,000 |
| Equity capital | 63,136,000 | 64,242,000 | 70,176,000 | 73,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,668,000 | 26,628,000 | 41,527,000 | 56,702,000 |
| Interest expense | 3,782,000 | 8,496,000 | 13,633,000 | 19,077,000 |
| Net interest income | 8,886,000 | 18,132,000 | 27,894,000 | 37,625,000 |
| Noninterest income | 1,359,000 | 2,913,000 | 4,499,000 | 6,141,000 |
| Noninterest expense | 5,478,000 | 11,321,000 | 17,108,000 | 23,336,000 |
| Provision for loan losses | 300,000 | 600,000 | 700,000 | 700,000 |
| Pretax income | 4,469,000 | 9,129,000 | 14,650,000 | 19,796,000 |
| Income tax | 1,522,000 | 3,109,000 | 4,984,000 | 6,741,000 |
| Net income | 2,947,000 | 6,020,000 | 9,666,000 | 13,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,452,000 | 60,609,000 | 64,382,000 | 67,510,000 |
| Total capital | 63,972,000 | 67,182,000 | 71,032,000 | 74,266,000 |
| Risk-weighted assets | 563,366,000 | 596,294,000 | 608,082,000 | 567,472,000 |