Call reports 2005
FIRST STATE BANK OF TEXAS — 2005
What FIRST STATE BANK OF TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,084,000 | 72,412,000 | 71,528,000 | 77,557,000 |
| Total loans | 24,757,000 | 25,119,000 | 24,984,000 | 25,462,000 |
| Allowance for loan losses | 324,000 | 315,000 | 315,000 | 305,000 |
| Securities available for sale | 31,290,000 | 31,103,000 | 28,112,000 | 27,698,000 |
| Securities held to maturity | 3,597,000 | 4,944,000 | 6,161,000 | 6,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,376,000 | 61,654,000 | 60,773,000 | 67,117,000 |
| Interest-bearing deposits | 51,825,000 | 49,600,000 | 48,070,000 | 53,326,000 |
| Noninterest-bearing deposits | 11,551,000 | 12,054,000 | 12,703,000 | 13,791,000 |
| Equity capital | 10,501,000 | 10,543,000 | 10,532,000 | 10,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,623,000 | 2,433,000 | 3,314,000 |
| Interest expense | 221,000 | 461,000 | 707,000 | 1,000,000 |
| Net interest income | 578,000 | 1,162,000 | 1,726,000 | 2,314,000 |
| Noninterest income | 138,000 | 263,000 | 400,000 | 514,000 |
| Noninterest expense | 504,000 | 1,026,000 | 1,552,000 | 2,207,000 |
| Provision for loan losses | 1,000 | -8,000 | -12,000 | 25,000 |
| Pretax income | 211,000 | 407,000 | 586,000 | 595,000 |
| Income tax | 60,000 | 112,000 | 154,000 | 206,000 |
| Net income | 151,000 | 295,000 | 432,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,709,000 | 10,711,000 | 10,748,000 | 10,563,000 |
| Total capital | 11,033,000 | 11,026,000 | 11,063,000 | 10,868,000 |
| Risk-weighted assets | 29,287,000 | 29,152,000 | 29,246,000 | 31,454,000 |