Call reports 2009
FIRST STATE BANK CENTRAL TEXAS — 2009
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 988,951,000 | 994,118,000 | 993,591,000 | 987,812,000 |
| Total loans | 681,670,000 | 674,117,000 | 660,176,000 | 645,259,000 |
| Allowance for loan losses | 9,803,000 | 10,693,000 | 11,584,000 | 13,071,000 |
| Securities available for sale | 226,828,000 | 238,699,000 | 249,034,000 | 262,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 792,496,000 | 796,626,000 | 792,027,000 | 789,451,000 |
| Interest-bearing deposits | 578,507,000 | 561,910,000 | 566,324,000 | 571,169,000 |
| Noninterest-bearing deposits | 213,989,000 | 234,716,000 | 225,703,000 | 218,282,000 |
| Equity capital | 99,816,000 | 102,772,000 | 108,867,000 | 109,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 12,211,000 | 24,672,000 | 37,121,000 | 49,503,000 |
| Interest expense | 3,850,000 | 7,374,000 | 10,624,000 | 13,589,000 |
| Net interest income | 8,361,000 | 17,298,000 | 26,497,000 | 35,914,000 |
| Noninterest income | 1,772,000 | 3,516,000 | 4,866,000 | 6,307,000 |
| Noninterest expense | 7,483,000 | 15,275,000 | 22,327,000 | 29,799,000 |
| Provision for loan losses | 780,000 | 1,875,000 | 3,260,000 | 5,160,000 |
| Pretax income | 2,106,000 | 4,342,000 | 6,980,000 | 8,772,000 |
| Income tax | 568,000 | 956,000 | 1,668,000 | 2,054,000 |
| Net income | 1,538,000 | 3,386,000 | 5,312,000 | 6,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,577,000 | 93,744,000 | 95,989,000 | 97,714,000 |
| Total capital | 100,733,000 | 103,164,000 | 105,378,000 | 107,041,000 |
| Risk-weighted assets | 731,863,000 | 752,307,000 | 748,937,000 | 742,435,000 |