Call reports 2008
TEXAS BANK AND TRUST COMPANY — 2008
What TEXAS BANK AND TRUST COMPANY 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 | 986,015,000 | 1,046,594,000 | 1,073,030,000 | 1,062,798,000 |
| Total loans | 776,686,000 | 813,504,000 | 825,821,000 | 805,202,000 |
| Allowance for loan losses | 12,204,000 | 12,558,000 | 12,585,000 | 13,064,000 |
| Securities available for sale | 117,803,000 | 138,452,000 | 153,196,000 | 171,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,980,000 | 906,494,000 | 934,420,000 | 919,048,000 |
| Interest-bearing deposits | 782,569,000 | 817,688,000 | 843,271,000 | 817,034,000 |
| Noninterest-bearing deposits | 88,411,000 | 88,806,000 | 91,148,000 | 102,013,000 |
| Equity capital | 84,024,000 | 85,834,000 | 88,946,000 | 92,522,000 |
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 | 12,912,000 | 25,521,000 | 38,786,000 | 51,189,000 |
| Interest expense | 4,765,000 | 9,214,000 | 13,709,000 | 17,650,000 |
| Net interest income | 8,147,000 | 16,307,000 | 25,077,000 | 33,539,000 |
| Noninterest income | 4,079,000 | 7,674,000 | 11,345,000 | 16,763,000 |
| Noninterest expense | 7,529,000 | 15,115,000 | 22,793,000 | 31,790,000 |
| Provision for loan losses | 700,000 | 900,000 | 1,000,000 | 1,500,000 |
| Pretax income | 3,997,000 | 7,979,000 | 12,642,000 | 17,053,000 |
| Income tax | 1,324,000 | 2,595,000 | 4,382,000 | 5,863,000 |
| Net income | 2,673,000 | 5,384,000 | 8,260,000 | 11,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,239,000 | 81,969,000 | 84,475,000 | 88,868,000 |
| Total capital | 88,840,000 | 92,120,000 | 94,691,000 | 99,142,000 |
| Risk-weighted assets | 772,215,000 | 813,827,000 | 819,030,000 | 823,360,000 |
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