Call reports 2014
FIRST STATE BANK CENTRAL TEXAS — 2014
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,351,972,000 | 1,344,295,000 | 1,354,769,000 | 1,358,365,000 |
| Total loans | 559,180,000 | 561,899,000 | 571,043,000 | 596,961,000 |
| Allowance for loan losses | 14,706,000 | 14,716,000 | 14,828,000 | 8,860,000 |
| Securities available for sale | 663,336,000 | 672,736,000 | 679,567,000 | 670,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,124,286,000 | 1,118,815,000 | 1,142,456,000 | 1,127,022,000 |
| Interest-bearing deposits | 792,478,000 | 782,973,000 | 757,951,000 | 759,617,000 |
| Noninterest-bearing deposits | 331,808,000 | 335,842,000 | 384,505,000 | 367,405,000 |
| Equity capital | 129,664,000 | 138,459,000 | 135,267,000 | 137,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 12,283,000 | 25,164,000 | 36,966,000 | 48,811,000 |
| Interest expense | 1,292,000 | 2,556,000 | 3,760,000 | 4,919,000 |
| Net interest income | 10,991,000 | 22,608,000 | 33,206,000 | 43,892,000 |
| Noninterest income | 1,858,000 | 3,515,000 | 5,311,000 | 6,956,000 |
| Noninterest expense | 7,322,000 | 14,242,000 | 21,292,000 | 32,361,000 |
| Provision for loan losses | 0 | 0 | 0 | -6,000,000 |
| Pretax income | 8,925,000 | 16,571,000 | 21,924,000 | 29,783,000 |
| Income tax | 2,708,000 | 5,161,000 | 6,830,000 | 9,389,000 |
| Net income | 6,217,000 | 11,410,000 | 15,094,000 | 20,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,365,000 | 127,709,000 | 125,153,000 | 124,942,000 |
| Total capital | 132,121,000 | 136,870,000 | 134,482,000 | 133,802,000 |
| Risk-weighted assets | 775,085,000 | 727,293,000 | 743,136,000 | 761,286,000 |