Call reports 2003
TEXAS BANK AND TRUST COMPANY — 2003
What TEXAS BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 553,682,000 | 553,517,000 | 558,552,000 | 593,292,000 |
| Total loans | 396,310,000 | 392,614,000 | 391,023,000 | 414,940,000 |
| Allowance for loan losses | 7,269,000 | 7,126,000 | 7,446,000 | 7,002,000 |
| Securities available for sale | 80,455,000 | 83,987,000 | 93,961,000 | 88,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,274,000 | 476,949,000 | 486,294,000 | 519,789,000 |
| Interest-bearing deposits | 420,315,000 | 426,889,000 | 433,802,000 | 428,511,000 |
| Noninterest-bearing deposits | 52,959,000 | 50,060,000 | 52,492,000 | 91,278,000 |
| Equity capital | 52,955,000 | 54,761,000 | 55,341,000 | 56,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,421,000 | 12,710,000 | 18,779,000 | 24,815,000 |
| Interest expense | 1,553,000 | 3,008,000 | 4,263,000 | 5,410,000 |
| Net interest income | 4,868,000 | 9,702,000 | 14,516,000 | 19,405,000 |
| Noninterest income | 2,266,000 | 4,928,000 | 7,322,000 | 9,638,000 |
| Noninterest expense | 4,416,000 | 8,988,000 | 13,628,000 | 18,910,000 |
| Provision for loan losses | 200,000 | 300,000 | 650,000 | 870,000 |
| Pretax income | 2,518,000 | 5,342,000 | 7,560,000 | 9,263,000 |
| Income tax | 856,000 | 1,814,000 | 2,550,000 | 3,134,000 |
| Net income | 1,662,000 | 3,528,000 | 5,010,000 | 6,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,446,000 | 53,333,000 | 54,034,000 | 55,173,000 |
| Total capital | 55,985,000 | 58,043,000 | 58,753,000 | 60,173,000 |
| Risk-weighted assets | 387,304,000 | 403,044,000 | 405,446,000 | 424,903,000 |
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