Call reports 2015
COWBOY BANK OF TEXAS, THE — 2015
What COWBOY BANK OF TEXAS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,527,000 | 62,530,000 | 67,105,000 | 71,896,000 |
| Total loans | 43,524,000 | 47,774,000 | 48,537,000 | 51,664,000 |
| Allowance for loan losses | 443,000 | 449,000 | 464,000 | 464,000 |
| Securities available for sale | 9,342,000 | 8,994,000 | 9,872,000 | 8,817,000 |
| Securities held to maturity | 18,000 | 17,000 | 16,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,352,000 | 56,162,000 | 60,332,000 | 64,957,000 |
| Interest-bearing deposits | 41,449,000 | 43,221,000 | 45,384,000 | 48,925,000 |
| Noninterest-bearing deposits | 12,903,000 | 12,941,000 | 14,948,000 | 16,032,000 |
| Equity capital | 6,079,000 | 6,241,000 | 6,663,000 | 6,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 757,000 | 1,557,000 | 2,468,000 | 3,294,000 |
| Interest expense | 81,000 | 164,000 | 250,000 | 343,000 |
| Net interest income | 676,000 | 1,393,000 | 2,218,000 | 2,951,000 |
| Noninterest income | 141,000 | 298,000 | 498,000 | 675,000 |
| Noninterest expense | 469,000 | 966,000 | 1,484,000 | 1,980,000 |
| Provision for loan losses | 6,000 | 12,000 | 34,000 | 40,000 |
| Pretax income | 342,000 | 713,000 | 1,198,000 | 1,606,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 342,000 | 713,000 | 1,198,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,942,000 | 6,197,000 | 6,557,000 | 6,795,000 |
| Total capital | 6,385,000 | 6,646,000 | 7,021,000 | 7,259,000 |
| Risk-weighted assets | 36,134,000 | 42,083,000 | 45,711,000 | 47,579,000 |