Call reports 2004
TEXAS STAR BANK — 2004
What TEXAS STAR BANK 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 | 142,750,000 | 151,586,000 | 152,418,000 | 151,430,000 |
| Total loans | 103,661,000 | 105,426,000 | 110,468,000 | 113,912,000 |
| Allowance for loan losses | 1,348,000 | 1,385,000 | 1,452,000 | 1,431,000 |
| Securities available for sale | 3,477,000 | 3,390,000 | 5,885,000 | 6,288,000 |
| Securities held to maturity | 3,416,000 | 2,889,000 | 2,859,000 | 2,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,793,000 | 135,577,000 | 135,820,000 | 134,468,000 |
| Interest-bearing deposits | 96,231,000 | 98,912,000 | 101,959,000 | 100,541,000 |
| Noninterest-bearing deposits | 30,562,000 | 36,665,000 | 33,861,000 | 33,927,000 |
| Equity capital | 11,570,000 | 11,833,000 | 12,229,000 | 12,718,000 |
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 | 2,005,000 | 3,996,000 | 6,112,000 | 8,342,000 |
| Interest expense | 404,000 | 795,000 | 1,201,000 | 1,627,000 |
| Net interest income | 1,601,000 | 3,201,000 | 4,911,000 | 6,715,000 |
| Noninterest income | 455,000 | 954,000 | 1,469,000 | 2,121,000 |
| Noninterest expense | 1,520,000 | 3,100,000 | 4,711,000 | 6,322,000 |
| Provision for loan losses | 105,000 | 210,000 | 280,000 | 370,000 |
| Pretax income | 431,000 | 845,000 | 1,389,000 | 2,144,000 |
| Income tax | 130,000 | 254,000 | 422,000 | 657,000 |
| Net income | 301,000 | 591,000 | 967,000 | 1,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,563,000 | 11,853,000 | 12,229,000 | 12,749,000 |
| Total capital | 12,868,000 | 13,200,000 | 13,630,000 | 14,180,000 |
| Risk-weighted assets | 104,341,000 | 107,734,000 | 112,004,000 | 114,660,000 |
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