Call reports 2008
FIRST STATE BANK OF MINERAL WELLS — 2008
What FIRST STATE BANK OF MINERAL WELLS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,049,000 | 85,342,000 | 80,706,000 | 76,837,000 |
| Total loans | 34,314,000 | 38,940,000 | 42,808,000 | 46,057,000 |
| Allowance for loan losses | 359,000 | 361,000 | 370,000 | 425,000 |
| Securities available for sale | 11,866,000 | 12,282,000 | 12,502,000 | 12,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,150,000 | 76,555,000 | 71,895,000 | 68,143,000 |
| Interest-bearing deposits | 39,096,000 | 44,212,000 | 46,020,000 | 46,920,000 |
| Noninterest-bearing deposits | 21,054,000 | 32,343,000 | 25,875,000 | 21,224,000 |
| Equity capital | 8,262,000 | 7,908,000 | 8,024,000 | 8,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 1,934,000 | 2,963,000 | 4,003,000 |
| Interest expense | 218,000 | 431,000 | 627,000 | 811,000 |
| Net interest income | 761,000 | 1,503,000 | 2,336,000 | 3,192,000 |
| Noninterest income | 189,000 | 392,000 | 572,000 | 717,000 |
| Noninterest expense | 607,000 | 1,301,000 | 2,030,000 | 2,814,000 |
| Provision for loan losses | 12,000 | 33,000 | 67,000 | 169,000 |
| Pretax income | 331,000 | 561,000 | 811,000 | 926,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 331,000 | 561,000 | 811,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,881,000 | 7,771,000 | 7,840,000 | 7,820,000 |
| Total capital | 8,240,000 | 8,133,000 | 8,210,000 | 8,245,000 |
| Risk-weighted assets | 41,807,000 | 48,988,000 | 51,454,000 | 58,837,000 |