Call reports 2003
HBANK TEXAS — 2003
What HBANK TEXAS 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 | 42,999,000 | 45,903,000 | 51,718,000 | 47,167,000 |
| Total loans | 22,675,000 | 23,920,000 | 26,055,000 | 26,744,000 |
| Allowance for loan losses | 215,000 | 233,000 | 251,000 | 269,000 |
| Securities available for sale | 3,242,000 | 3,099,000 | 2,895,000 | 3,845,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,070,000 | 40,876,000 | 46,609,000 | 42,019,000 |
| Interest-bearing deposits | 24,245,000 | 24,079,000 | 32,418,000 | 27,972,000 |
| Noninterest-bearing deposits | 13,825,000 | 16,797,000 | 14,191,000 | 14,047,000 |
| Equity capital | 4,863,000 | 4,924,000 | 5,002,000 | 5,072,000 |
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 | 398,000 | 831,000 | 1,284,000 | 1,765,000 |
| Interest expense | 53,000 | 102,000 | 148,000 | 193,000 |
| Net interest income | 345,000 | 729,000 | 1,136,000 | 1,572,000 |
| Noninterest income | 28,000 | 73,000 | 125,000 | 162,000 |
| Noninterest expense | 299,000 | 610,000 | 931,000 | 1,276,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 56,000 | 156,000 | 276,000 | 386,000 |
| Income tax | 19,000 | 53,000 | 93,000 | 131,000 |
| Net income | 37,000 | 103,000 | 183,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,846,000 | 4,912,000 | 4,992,000 | 5,064,000 |
| Total capital | 5,061,000 | 5,145,000 | 5,243,000 | 5,333,000 |
| Risk-weighted assets | 25,108,000 | 27,043,000 | 29,622,000 | 29,415,000 |
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