Call reports 2003
TEXAS HERITAGE NATIONAL BANK — 2003
What TEXAS HERITAGE NATIONAL BANK 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 | 65,625,000 | 71,422,000 | 68,869,000 | 73,319,000 |
| Total loans | 45,021,000 | 49,124,000 | 51,271,000 | 52,263,000 |
| Allowance for loan losses | 341,000 | 370,000 | 387,000 | 489,000 |
| Securities available for sale | 15,316,000 | 13,314,000 | 9,560,000 | 13,309,000 |
| Securities held to maturity | 307,000 | 240,000 | 227,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,927,000 | 58,836,000 | 56,294,000 | 58,578,000 |
| Interest-bearing deposits | 50,303,000 | 52,321,000 | 49,989,000 | 50,376,000 |
| Noninterest-bearing deposits | 5,624,000 | 6,515,000 | 6,305,000 | 8,202,000 |
| Equity capital | 4,861,000 | 4,954,000 | 4,904,000 | 6,172,000 |
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 | 965,000 | 1,945,000 | 2,948,000 | 3,998,000 |
| Interest expense | 343,000 | 691,000 | 1,035,000 | 1,353,000 |
| Net interest income | 622,000 | 1,254,000 | 1,913,000 | 2,645,000 |
| Noninterest income | 112,000 | 249,000 | 395,000 | 603,000 |
| Noninterest expense | 572,000 | 1,201,000 | 1,829,000 | 2,497,000 |
| Provision for loan losses | 21,000 | 46,000 | 75,000 | 522,000 |
| Pretax income | 133,000 | 256,000 | 414,000 | 239,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 133,000 | 256,000 | 414,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,394,000 | 4,476,000 | 4,589,000 | 5,871,000 |
| Total capital | 4,735,000 | 4,846,000 | 4,976,000 | 6,359,000 |
| Risk-weighted assets | 39,024,000 | 43,155,000 | 43,503,000 | 44,789,000 |
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