Call reports 2004
TEXAS EXCHANGE BANK — 2004
What TEXAS EXCHANGE 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 | 25,254,000 | 24,577,000 | 24,396,000 | 24,594,000 |
| Total loans | 10,301,000 | 11,056,000 | 11,007,000 | 10,803,000 |
| Allowance for loan losses | 114,000 | 126,000 | 136,000 | 148,000 |
| Securities available for sale | 5,859,000 | 5,454,000 | 5,226,000 | 5,327,000 |
| Securities held to maturity | 2,349,000 | 2,494,000 | 2,162,000 | 2,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,606,000 | 22,090,000 | 21,787,000 | 21,945,000 |
| Interest-bearing deposits | 13,680,000 | 13,398,000 | 13,294,000 | 13,119,000 |
| Noninterest-bearing deposits | 8,926,000 | 8,692,000 | 8,493,000 | 8,826,000 |
| Equity capital | 2,376,000 | 2,289,000 | 2,360,000 | 2,421,000 |
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 | 289,000 | 563,000 | 852,000 | 1,137,000 |
| Interest expense | 24,000 | 47,000 | 69,000 | 91,000 |
| Net interest income | 265,000 | 516,000 | 783,000 | 1,046,000 |
| Noninterest income | 59,000 | 122,000 | 190,000 | 263,000 |
| Noninterest expense | 248,000 | 488,000 | 723,000 | 955,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 78,000 | 153,000 | 242,000 | 337,000 |
| Income tax | 16,000 | 31,000 | 51,000 | 71,000 |
| Net income | 62,000 | 122,000 | 191,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,291,000 | 2,351,000 | 2,339,000 | 2,415,000 |
| Total capital | 2,405,000 | 2,477,000 | 2,475,000 | 2,563,000 |
| Risk-weighted assets | 12,518,000 | 12,831,000 | 11,295,000 | 11,954,000 |