Call reports 2003
TEXAS EXCHANGE BANK — 2003
What TEXAS EXCHANGE BANK 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 | 25,726,000 | 25,562,000 | 25,775,000 | 26,047,000 |
| Total loans | 8,488,000 | 9,729,000 | 9,810,000 | 9,701,000 |
| Allowance for loan losses | 87,000 | 100,000 | 100,000 | 96,000 |
| Securities available for sale | 7,297,000 | 5,906,000 | 6,018,000 | 6,805,000 |
| Securities held to maturity | 3,368,000 | 3,226,000 | 2,717,000 | 2,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,071,000 | 22,787,000 | 23,230,000 | 23,447,000 |
| Interest-bearing deposits | 14,772,000 | 14,120,000 | 14,526,000 | 13,861,000 |
| Noninterest-bearing deposits | 8,299,000 | 8,667,000 | 8,703,000 | 9,586,000 |
| Equity capital | 2,365,000 | 2,477,000 | 2,287,000 | 2,363,000 |
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 | 306,000 | 604,000 | 884,000 | 1,176,000 |
| Interest expense | 37,000 | 71,000 | 99,000 | 125,000 |
| Net interest income | 269,000 | 533,000 | 785,000 | 1,051,000 |
| Noninterest income | 63,000 | 125,000 | 183,000 | 227,000 |
| Noninterest expense | 233,000 | 465,000 | 712,000 | 951,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 35,000 |
| Pretax income | 88,000 | 208,000 | 261,000 | 346,000 |
| Income tax | 17,000 | 46,000 | 54,000 | 65,000 |
| Net income | 71,000 | 162,000 | 207,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,254,000 | 2,346,000 | 2,234,000 | 2,308,000 |
| Total capital | 2,341,000 | 2,446,000 | 2,334,000 | 2,404,000 |
| Risk-weighted assets | 12,716,000 | 12,126,000 | 12,338,000 | 12,806,000 |