Call reports 2005
TEXAS BANK AND TRUST COMPANY — 2005
What TEXAS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 645,173,000 | 641,703,000 | 667,487,000 | 713,283,000 |
| Total loans | 450,075,000 | 496,215,000 | 532,483,000 | 560,889,000 |
| Allowance for loan losses | 7,203,000 | 7,225,000 | 7,595,000 | 8,135,000 |
| Securities available for sale | 97,943,000 | 82,974,000 | 75,476,000 | 72,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 570,444,000 | 563,228,000 | 589,413,000 | 625,549,000 |
| Interest-bearing deposits | 493,046,000 | 489,112,000 | 517,937,000 | 558,757,000 |
| Noninterest-bearing deposits | 77,398,000 | 74,116,000 | 71,476,000 | 66,792,000 |
| Equity capital | 61,817,000 | 64,052,000 | 64,884,000 | 66,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,100,000 | 14,751,000 | 23,194,000 | 32,405,000 |
| Interest expense | 1,405,000 | 3,143,000 | 5,281,000 | 7,795,000 |
| Net interest income | 5,695,000 | 11,608,000 | 17,913,000 | 24,610,000 |
| Noninterest income | 2,648,000 | 5,391,000 | 8,178,000 | 10,881,000 |
| Noninterest expense | 5,227,000 | 10,728,000 | 16,654,000 | 22,893,000 |
| Provision for loan losses | 75,000 | 450,000 | 950,000 | 1,800,000 |
| Pretax income | 3,041,000 | 5,821,000 | 8,462,000 | 10,773,000 |
| Income tax | 1,004,000 | 1,917,000 | 2,773,000 | 3,525,000 |
| Net income | 2,037,000 | 3,904,000 | 5,689,000 | 7,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,751,000 | 63,651,000 | 64,653,000 | 66,228,000 |
| Total capital | 67,007,000 | 69,155,000 | 70,603,000 | 72,510,000 |
| Risk-weighted assets | 447,599,000 | 469,880,000 | 495,741,000 | 522,684,000 |
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