Call reports 2016
FIRST STATE BANK CENTRAL TEXAS — 2016
What FIRST STATE BANK CENTRAL TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,433,051,000 | 1,359,691,000 | 1,354,007,000 | 1,358,684,000 |
| Total loans | 624,544,000 | 611,955,000 | 628,861,000 | 653,916,000 |
| Allowance for loan losses | 10,000,000 | 10,066,000 | 9,520,000 | 6,324,000 |
| Securities available for sale | 700,383,000 | 677,389,000 | 640,568,000 | 620,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,208,339,000 | 1,127,818,000 | 1,123,751,000 | 1,145,730,000 |
| Interest-bearing deposits | 763,322,000 | 728,654,000 | 720,605,000 | 719,135,000 |
| Noninterest-bearing deposits | 445,017,000 | 399,164,000 | 403,146,000 | 426,595,000 |
| Equity capital | 152,360,000 | 160,700,000 | 161,288,000 | 151,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,786,000 | 24,588,000 | 36,340,000 | 48,061,000 |
| Interest expense | 962,000 | 1,877,000 | 2,794,000 | 3,690,000 |
| Net interest income | 11,824,000 | 22,711,000 | 33,546,000 | 44,371,000 |
| Noninterest income | 1,561,000 | 3,399,000 | 5,755,000 | 7,773,000 |
| Noninterest expense | 7,616,000 | 15,145,000 | 22,512,000 | 29,907,000 |
| Provision for loan losses | 0 | 0 | 0 | -3,000,000 |
| Pretax income | 6,079,000 | 12,094,000 | 19,264,000 | 27,750,000 |
| Income tax | 1,964,000 | 3,814,000 | 6,166,000 | 8,981,000 |
| Net income | 4,115,000 | 8,280,000 | 13,098,000 | 18,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,296,000 | 142,662,000 | 145,481,000 | 146,801,000 |
| Total capital | 148,296,000 | 152,728,000 | 155,001,000 | 153,125,000 |
| Risk-weighted assets | 881,834,000 | 849,858,000 | 868,425,000 | 896,788,000 |