Call reports 2008
FIRST STATE BANK CENTRAL TEXAS — 2008
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 925,481,000 | 1,005,128,000 | 999,600,000 | 993,054,000 |
| Total loans | 612,525,000 | 665,377,000 | 674,827,000 | 673,149,000 |
| Allowance for loan losses | 7,540,000 | 8,092,000 | 11,429,000 | 9,717,000 |
| Securities available for sale | 243,900,000 | 250,936,000 | 245,466,000 | 229,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,676,000 | 806,425,000 | 805,561,000 | 791,651,000 |
| Interest-bearing deposits | 556,132,000 | 604,149,000 | 612,483,000 | 605,396,000 |
| Noninterest-bearing deposits | 171,544,000 | 202,276,000 | 193,078,000 | 186,255,000 |
| Equity capital | 91,070,000 | 89,564,000 | 88,794,000 | 88,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 15,079,000 | 29,275,000 | 43,996,000 | 57,751,000 |
| Interest expense | 5,861,000 | 10,628,000 | 15,390,000 | 19,699,000 |
| Net interest income | 9,218,000 | 18,647,000 | 28,606,000 | 38,052,000 |
| Noninterest income | 1,500,000 | 3,149,000 | 5,012,000 | 4,830,000 |
| Noninterest expense | 6,543,000 | 13,488,000 | 20,710,000 | 27,335,000 |
| Provision for loan losses | 900,000 | 2,400,000 | 5,800,000 | 6,050,000 |
| Pretax income | 3,551,000 | 6,257,000 | 6,612,000 | 9,005,000 |
| Income tax | 1,094,000 | 1,915,000 | 1,884,000 | 2,566,000 |
| Net income | 2,457,000 | 4,342,000 | 4,728,000 | 6,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,897,000 | 78,382,000 | 77,383,000 | 80,564,000 |
| Total capital | 91,437,000 | 86,474,000 | 86,441,000 | 89,695,000 |
| Risk-weighted assets | 650,957,000 | 718,675,000 | 722,255,000 | 729,920,000 |