Call reports 2007
FIRST STATE BANK OF MINERAL WELLS — 2007
What FIRST STATE BANK OF MINERAL WELLS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,504,000 | 64,483,000 | 62,473,000 | 64,207,000 |
| Total loans | 28,853,000 | 30,965,000 | 31,402,000 | 33,827,000 |
| Allowance for loan losses | 345,000 | 355,000 | 353,000 | 349,000 |
| Securities available for sale | 13,269,000 | 15,632,000 | 13,987,000 | 13,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,711,000 | 56,630,000 | 54,210,000 | 55,793,000 |
| Interest-bearing deposits | 37,519,000 | 36,097,000 | 34,509,000 | 35,856,000 |
| Noninterest-bearing deposits | 19,192,000 | 20,533,000 | 19,701,000 | 19,937,000 |
| Equity capital | 7,234,000 | 7,245,000 | 7,592,000 | 7,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,935,000 | 2,944,000 | 3,951,000 |
| Interest expense | 231,000 | 469,000 | 705,000 | 935,000 |
| Net interest income | 712,000 | 1,466,000 | 2,239,000 | 3,016,000 |
| Noninterest income | 186,000 | 408,000 | 611,000 | 860,000 |
| Noninterest expense | 594,000 | 1,162,000 | 1,778,000 | 2,462,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 48,000 |
| Pretax income | 289,000 | 682,000 | 1,027,000 | 1,366,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 289,000 | 682,000 | 1,027,000 | 1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,239,000 | 7,346,000 | 7,531,000 | 7,550,000 |
| Total capital | 7,584,000 | 7,701,000 | 7,884,000 | 7,899,000 |
| Risk-weighted assets | 34,590,000 | 38,703,000 | 38,230,000 | 40,455,000 |