Call reports 2005
FIRST STATE BANK OF MINERAL WELLS — 2005
What FIRST STATE BANK OF MINERAL WELLS 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 | 58,113,000 | 58,691,000 | 59,749,000 | 60,775,000 |
| Total loans | 26,879,000 | 28,242,000 | 28,940,000 | 28,504,000 |
| Allowance for loan losses | 355,000 | 343,000 | 342,000 | 328,000 |
| Securities available for sale | 8,842,000 | 9,043,000 | 9,346,000 | 9,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,726,000 | 51,424,000 | 52,932,000 | 54,121,000 |
| Interest-bearing deposits | 37,910,000 | 37,842,000 | 37,988,000 | 32,761,000 |
| Noninterest-bearing deposits | 13,816,000 | 13,582,000 | 14,944,000 | 21,360,000 |
| Equity capital | 6,053,000 | 6,046,000 | 6,349,000 | 6,229,000 |
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 | 670,000 | 1,382,000 | 2,159,000 | 2,957,000 |
| Interest expense | 123,000 | 260,000 | 411,000 | 574,000 |
| Net interest income | 547,000 | 1,122,000 | 1,748,000 | 2,383,000 |
| Noninterest income | 265,000 | 511,000 | 756,000 | 978,000 |
| Noninterest expense | 493,000 | 1,043,000 | 1,586,000 | 2,171,000 |
| Provision for loan losses | 4,000 | 11,000 | 17,000 | 23,000 |
| Pretax income | 315,000 | 579,000 | 901,000 | 1,167,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 315,000 | 579,000 | 901,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,071,000 | 6,095,000 | 6,417,000 | 6,322,000 |
| Total capital | 6,426,000 | 6,438,000 | 6,759,000 | 6,650,000 |
| Risk-weighted assets | 33,435,000 | 34,336,000 | 34,401,000 | 34,077,000 |