Call reports 2009
FIRST STATE BANK OF MINERAL WELLS — 2009
What FIRST STATE BANK OF MINERAL WELLS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 80,433,000 | 77,955,000 | 78,230,000 | 76,497,000 |
| Total loans | 47,431,000 | 51,635,000 | 50,581,000 | 51,736,000 |
| Allowance for loan losses | 470,000 | 516,000 | 556,000 | 636,000 |
| Securities available for sale | 11,805,000 | 10,147,000 | 10,088,000 | 9,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,493,000 | 68,986,000 | 69,011,000 | 66,365,000 |
| Interest-bearing deposits | 47,936,000 | 45,158,000 | 46,525,000 | 47,628,000 |
| Noninterest-bearing deposits | 23,557,000 | 23,828,000 | 22,486,000 | 18,737,000 |
| Equity capital | 8,307,000 | 8,344,000 | 8,545,000 | 9,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,907,000 | 2,889,000 | 3,865,000 |
| Interest expense | 169,000 | 309,000 | 442,000 | 574,000 |
| Net interest income | 782,000 | 1,598,000 | 2,447,000 | 3,291,000 |
| Noninterest income | 174,000 | 283,000 | 523,000 | 747,000 |
| Noninterest expense | 710,000 | 1,373,000 | 2,188,000 | 2,938,000 |
| Provision for loan losses | 40,000 | 79,000 | 174,000 | 315,000 |
| Pretax income | 206,000 | 429,000 | 610,000 | 808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 206,000 | 429,000 | 610,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,027,000 | 8,150,000 | 8,257,000 | 9,355,000 |
| Total capital | 8,497,000 | 8,666,000 | 8,813,000 | 9,991,000 |
| Risk-weighted assets | 54,385,000 | 56,944,000 | 55,456,000 | 57,139,000 |