Call reports 2010
FIRST STATE BANK CENTRAL TEXAS — 2010
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 998,118,000 | 999,403,000 | 1,030,758,000 | 1,067,862,000 |
| Total loans | 638,215,000 | 623,180,000 | 611,099,000 | 599,955,000 |
| Allowance for loan losses | 14,389,000 | 15,541,000 | 15,764,000 | 16,426,000 |
| Securities available for sale | 278,557,000 | 279,584,000 | 316,117,000 | 357,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 788,631,000 | 800,648,000 | 823,481,000 | 867,848,000 |
| Interest-bearing deposits | 581,993,000 | 579,456,000 | 594,163,000 | 636,654,000 |
| Noninterest-bearing deposits | 206,638,000 | 221,192,000 | 229,318,000 | 231,194,000 |
| Equity capital | 112,690,000 | 117,126,000 | 122,413,000 | 119,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 12,169,000 | 24,406,000 | 36,531,000 | 48,624,000 |
| Interest expense | 2,706,000 | 5,217,000 | 7,675,000 | 9,997,000 |
| Net interest income | 9,463,000 | 19,189,000 | 28,856,000 | 38,627,000 |
| Noninterest income | 1,890,000 | 3,720,000 | 5,460,000 | 7,269,000 |
| Noninterest expense | 7,409,000 | 15,535,000 | 23,020,000 | 30,924,000 |
| Provision for loan losses | 1,325,000 | 2,872,000 | 4,707,000 | 5,517,000 |
| Pretax income | 3,478,000 | 5,400,000 | 7,304,000 | 10,615,000 |
| Income tax | 987,000 | 1,480,000 | 1,903,000 | 2,959,000 |
| Net income | 2,491,000 | 3,920,000 | 5,401,000 | 7,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,447,000 | 102,196,000 | 103,997,000 | 106,481,000 |
| Total capital | 109,797,000 | 111,471,000 | 113,205,000 | 115,831,000 |
| Risk-weighted assets | 742,970,000 | 735,745,000 | 730,063,000 | 740,898,000 |