Call reports 2007
TEXAS STAR BANK — 2007
What TEXAS STAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 206,998,000 | 209,937,000 | 228,977,000 | 229,370,000 |
| Total loans | 169,385,000 | 178,818,000 | 182,145,000 | 184,697,000 |
| Allowance for loan losses | 1,969,000 | 2,057,000 | 2,150,000 | 2,153,000 |
| Securities available for sale | 1,671,000 | 667,000 | 163,000 | 144,000 |
| Securities held to maturity | 6,199,000 | 6,180,000 | 6,075,000 | 3,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,200,000 | 189,393,000 | 207,825,000 | 207,730,000 |
| Interest-bearing deposits | 144,917,000 | 144,798,000 | 161,244,000 | 161,538,000 |
| Noninterest-bearing deposits | 42,283,000 | 44,595,000 | 46,581,000 | 46,192,000 |
| Equity capital | 14,643,000 | 15,290,000 | 15,940,000 | 16,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,777,000 | 7,788,000 | 11,930,000 | 16,123,000 |
| Interest expense | 1,429,000 | 2,883,000 | 4,399,000 | 5,989,000 |
| Net interest income | 2,348,000 | 4,905,000 | 7,531,000 | 10,134,000 |
| Noninterest income | 755,000 | 1,557,000 | 2,334,000 | 3,159,000 |
| Noninterest expense | 2,201,000 | 4,419,000 | 6,691,000 | 8,721,000 |
| Provision for loan losses | 165,000 | 340,000 | 505,000 | 670,000 |
| Pretax income | 737,000 | 1,703,000 | 2,669,000 | 3,902,000 |
| Income tax | 242,000 | 564,000 | 881,000 | 1,276,000 |
| Net income | 495,000 | 1,139,000 | 1,788,000 | 2,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,648,000 | 15,292,000 | 15,941,000 | 16,638,000 |
| Total capital | 16,617,000 | 17,349,000 | 18,091,000 | 18,791,000 |
| Risk-weighted assets | 165,264,000 | 173,223,000 | 179,060,000 | 181,130,000 |