Call reports 2015
FIRST STATE BANK CENTRAL TEXAS — 2015
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,419,481,000 | 1,393,989,000 | 1,450,955,000 | 1,392,074,000 |
| Total loans | 601,380,000 | 605,365,000 | 612,673,000 | 624,070,000 |
| Allowance for loan losses | 8,941,000 | 9,011,000 | 9,301,000 | 9,175,000 |
| Securities available for sale | 724,816,000 | 712,125,000 | 687,993,000 | 683,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,195,054,000 | 1,176,362,000 | 1,235,568,000 | 1,192,919,000 |
| Interest-bearing deposits | 812,152,000 | 802,686,000 | 777,338,000 | 783,587,000 |
| Noninterest-bearing deposits | 382,902,000 | 373,676,000 | 458,230,000 | 409,332,000 |
| Equity capital | 144,199,000 | 143,755,000 | 146,823,000 | 142,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,953,000 | 23,879,000 | 35,849,000 | 48,082,000 |
| Interest expense | 1,120,000 | 2,208,000 | 3,241,000 | 4,234,000 |
| Net interest income | 10,833,000 | 21,671,000 | 32,608,000 | 43,848,000 |
| Noninterest income | 1,639,000 | 3,392,000 | 5,058,000 | 6,800,000 |
| Noninterest expense | 7,323,000 | 14,264,000 | 21,689,000 | 28,826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,196,000 | 11,108,000 | 16,645,000 | 22,853,000 |
| Income tax | 1,634,000 | 3,404,000 | 5,189,000 | 7,196,000 |
| Net income | 3,562,000 | 7,704,000 | 11,456,000 | 15,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,129,000 | 130,568,000 | 134,380,000 | 134,141,000 |
| Total capital | 138,070,000 | 139,579,000 | 143,681,000 | 143,316,000 |
| Risk-weighted assets | 835,114,000 | 833,685,000 | 853,572,000 | 859,367,000 |