Call reports 2007
FIRST STATE BANK CENTRAL TEXAS — 2007
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 842,585,000 | 865,569,000 | 885,255,000 | 954,204,000 |
| Total loans | 554,832,000 | 563,964,000 | 566,576,000 | 588,650,000 |
| Allowance for loan losses | 7,099,000 | 7,102,000 | 7,686,000 | 7,480,000 |
| Securities available for sale | 210,370,000 | 205,586,000 | 217,810,000 | 266,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,182,000 | 690,746,000 | 712,882,000 | 774,410,000 |
| Interest-bearing deposits | 498,024,000 | 508,225,000 | 537,763,000 | 604,073,000 |
| Noninterest-bearing deposits | 174,158,000 | 182,521,000 | 175,119,000 | 170,337,000 |
| Equity capital | 76,580,000 | 78,191,000 | 83,313,000 | 87,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,268,000 | 31,529,000 | 47,905,000 | 64,358,000 |
| Interest expense | 5,766,000 | 11,806,000 | 18,259,000 | 24,833,000 |
| Net interest income | 9,502,000 | 19,723,000 | 29,646,000 | 39,525,000 |
| Noninterest income | 1,228,000 | 2,698,000 | 4,305,000 | 5,591,000 |
| Noninterest expense | 5,936,000 | 12,465,000 | 18,580,000 | 24,337,000 |
| Provision for loan losses | 100,000 | 100,000 | 750,000 | 750,000 |
| Pretax income | 4,661,000 | 9,825,000 | 14,646,000 | 20,058,000 |
| Income tax | 1,651,000 | 3,368,000 | 4,991,000 | 6,811,000 |
| Net income | 3,010,000 | 6,457,000 | 9,655,000 | 13,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,557,000 | 74,068,000 | 77,580,000 | 81,201,000 |
| Total capital | 77,656,000 | 81,170,000 | 85,266,000 | 88,681,000 |
| Risk-weighted assets | 603,765,000 | 606,291,000 | 616,465,000 | 655,921,000 |