Call reports 2004
TEXAS BANK AND TRUST COMPANY — 2004
What TEXAS BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 577,347,000 | 571,956,000 | 590,298,000 | 613,327,000 |
| Total loans | 421,224,000 | 427,061,000 | 436,133,000 | 449,534,000 |
| Allowance for loan losses | 6,915,000 | 6,631,000 | 6,837,000 | 7,233,000 |
| Securities available for sale | 86,196,000 | 83,828,000 | 87,682,000 | 83,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,894,000 | 502,781,000 | 518,630,000 | 536,374,000 |
| Interest-bearing deposits | 437,165,000 | 442,885,000 | 457,435,000 | 463,051,000 |
| Noninterest-bearing deposits | 65,729,000 | 59,896,000 | 61,196,000 | 73,323,000 |
| Equity capital | 57,439,000 | 57,914,000 | 60,349,000 | 61,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,083,000 | 12,203,000 | 18,653,000 | 25,484,000 |
| Interest expense | 1,081,000 | 2,154,000 | 3,258,000 | 4,470,000 |
| Net interest income | 5,002,000 | 10,049,000 | 15,395,000 | 21,014,000 |
| Noninterest income | 2,303,000 | 4,734,000 | 7,279,000 | 9,905,000 |
| Noninterest expense | 4,751,000 | 9,622,000 | 14,486,000 | 20,031,000 |
| Provision for loan losses | 100,000 | 0 | 200,000 | 900,000 |
| Pretax income | 2,454,000 | 5,161,000 | 7,988,000 | 9,988,000 |
| Income tax | 834,000 | 1,739,000 | 2,669,000 | 3,325,000 |
| Net income | 1,620,000 | 3,422,000 | 5,319,000 | 6,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,018,000 | 57,826,000 | 59,152,000 | 60,516,000 |
| Total capital | 60,843,000 | 62,596,000 | 63,994,000 | 65,523,000 |
| Risk-weighted assets | 412,161,000 | 409,989,000 | 419,308,000 | 426,144,000 |
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