Call reports 2005
TEXAS STAR BANK — 2005
What TEXAS STAR BANK 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 | 150,902,000 | 152,926,000 | 165,729,000 | 178,401,000 |
| Total loans | 113,660,000 | 115,522,000 | 116,156,000 | 124,944,000 |
| Allowance for loan losses | 1,391,000 | 1,468,000 | 1,551,000 | 1,512,000 |
| Securities available for sale | 6,223,000 | 6,205,000 | 6,194,000 | 6,176,000 |
| Securities held to maturity | 2,917,000 | 2,903,000 | 5,858,000 | 8,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,989,000 | 135,865,000 | 148,167,000 | 160,472,000 |
| Interest-bearing deposits | 100,307,000 | 100,137,000 | 112,003,000 | 123,103,000 |
| Noninterest-bearing deposits | 33,682,000 | 35,728,000 | 36,164,000 | 37,369,000 |
| Equity capital | 12,286,000 | 12,632,000 | 12,979,000 | 13,441,000 |
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 | 2,214,000 | 4,572,000 | 7,086,000 | 9,842,000 |
| Interest expense | 451,000 | 954,000 | 1,549,000 | 2,318,000 |
| Net interest income | 1,763,000 | 3,618,000 | 5,537,000 | 7,524,000 |
| Noninterest income | 596,000 | 1,197,000 | 1,807,000 | 2,500,000 |
| Noninterest expense | 1,701,000 | 3,558,000 | 5,477,000 | 7,277,000 |
| Provision for loan losses | 110,000 | 220,000 | 325,000 | 597,000 |
| Pretax income | 548,000 | 1,037,000 | 1,542,000 | 2,150,000 |
| Income tax | 177,000 | 335,000 | 497,000 | 644,000 |
| Net income | 371,000 | 702,000 | 1,045,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,345,000 | 12,676,000 | 13,019,000 | 13,480,000 |
| Total capital | 13,736,000 | 14,143,000 | 14,514,000 | 14,992,000 |
| Risk-weighted assets | 114,171,000 | 117,397,000 | 119,516,000 | 129,189,000 |
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