Call reports 2004
FIRST STATE BANK OF MINERAL WELLS — 2004
What FIRST STATE BANK OF MINERAL WELLS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 54,522,000 | 55,630,000 | 58,630,000 | 57,891,000 |
| Total loans | 26,105,000 | 27,059,000 | 27,710,000 | 27,756,000 |
| Allowance for loan losses | 340,000 | 339,000 | 352,000 | 358,000 |
| Securities available for sale | 6,511,000 | 8,457,000 | 6,991,000 | 8,258,000 |
| Securities held to maturity | 220,000 | 220,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,562,000 | 49,746,000 | 52,411,000 | 51,800,000 |
| Interest-bearing deposits | 35,462,000 | 35,650,000 | 37,922,000 | 38,346,000 |
| Noninterest-bearing deposits | 13,100,000 | 14,096,000 | 14,489,000 | 13,454,000 |
| Equity capital | 5,677,000 | 5,584,000 | 5,899,000 | 5,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 600,000 | 1,212,000 | 1,860,000 | 2,534,000 |
| Interest expense | 109,000 | 216,000 | 334,000 | 460,000 |
| Net interest income | 491,000 | 996,000 | 1,526,000 | 2,074,000 |
| Noninterest income | 171,000 | 346,000 | 582,000 | 828,000 |
| Noninterest expense | 469,000 | 967,000 | 1,443,000 | 2,097,000 |
| Provision for loan losses | 6,000 | 6,000 | 24,000 | 35,000 |
| Pretax income | 187,000 | 369,000 | 641,000 | 770,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 369,000 | 641,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,565,000 | 5,572,000 | 5,842,000 | 5,756,000 |
| Total capital | 5,905,000 | 5,911,000 | 6,194,000 | 6,114,000 |
| Risk-weighted assets | 31,112,000 | 31,865,000 | 32,689,000 | 33,535,000 |