Call reports 2006
FIRST STATE BANK OF MINERAL WELLS — 2006
What FIRST STATE BANK OF MINERAL WELLS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,341,000 | 62,561,000 | 63,025,000 | 62,484,000 |
| Total loans | 28,050,000 | 28,566,000 | 29,450,000 | 29,002,000 |
| Allowance for loan losses | 340,000 | 307,000 | 313,000 | 328,000 |
| Securities available for sale | 11,870,000 | 13,640,000 | 13,631,000 | 13,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,420,000 | 55,523,000 | 55,594,000 | 54,958,000 |
| Interest-bearing deposits | 36,444,000 | 37,365,000 | 36,474,000 | 37,376,000 |
| Noninterest-bearing deposits | 16,976,000 | 18,158,000 | 19,120,000 | 17,582,000 |
| Equity capital | 6,519,000 | 6,514,000 | 6,819,000 | 6,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,653,000 | 2,582,000 | 3,523,000 |
| Interest expense | 168,000 | 351,000 | 557,000 | 778,000 |
| Net interest income | 649,000 | 1,302,000 | 2,025,000 | 2,745,000 |
| Noninterest income | 208,000 | 436,000 | 653,000 | 873,000 |
| Noninterest expense | 565,000 | 1,114,000 | 1,694,000 | 2,316,000 |
| Provision for loan losses | 10,000 | 21,000 | 36,000 | 51,000 |
| Pretax income | 282,000 | 603,000 | 948,000 | 1,251,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 603,000 | 948,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,604,000 | 6,670,000 | 6,862,000 | 6,949,000 |
| Total capital | 6,944,000 | 6,977,000 | 7,175,000 | 7,277,000 |
| Risk-weighted assets | 33,578,000 | 34,453,000 | 34,508,000 | 34,540,000 |