Call reports 2008
FIRST STATE BANK OF MIAMI, TEXAS — 2008
What FIRST STATE BANK OF MIAMI, TEXAS 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 | 30,511,000 | 32,584,000 | 34,234,000 | 34,789,000 |
| Total loans | 14,925,000 | 15,882,000 | 18,695,000 | 19,889,000 |
| Allowance for loan losses | 219,000 | 227,000 | 258,000 | 285,000 |
| Securities available for sale | 1,111,000 | 4,963,000 | 629,000 | 546,000 |
| Securities held to maturity | 3,221,000 | 3,213,000 | 3,217,000 | 699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,604,000 | 29,689,000 | 31,305,000 | 31,840,000 |
| Interest-bearing deposits | 18,767,000 | 19,029,000 | 21,133,000 | 20,745,000 |
| Noninterest-bearing deposits | 8,837,000 | 10,660,000 | 10,172,000 | 11,095,000 |
| Equity capital | 2,867,000 | 2,868,000 | 2,874,000 | 2,894,000 |
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 | 420,000 | 818,000 | 1,250,000 | 1,719,000 |
| Interest expense | 114,000 | 219,000 | 312,000 | 406,000 |
| Net interest income | 306,000 | 599,000 | 938,000 | 1,313,000 |
| Noninterest income | 84,000 | 155,000 | 278,000 | 338,000 |
| Noninterest expense | 298,000 | 640,000 | 1,003,000 | 1,362,000 |
| Provision for loan losses | 8,000 | 12,000 | 70,000 | 92,000 |
| Pretax income | 84,000 | 102,000 | 143,000 | 197,000 |
| Income tax | 26,000 | 30,000 | 36,000 | 62,000 |
| Net income | 58,000 | 72,000 | 107,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,313,000 | 2,332,000 | 2,373,000 | 2,419,000 |
| Total capital | 2,532,000 | 2,559,000 | 2,631,000 | 2,704,000 |
| Risk-weighted assets | 17,904,000 | 17,501,000 | 21,253,000 | 22,177,000 |