Call reports 2005
TEXAS EXCHANGE BANK — 2005
What TEXAS EXCHANGE 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 | 24,462,000 | 26,278,000 | 25,848,000 | 25,749,000 |
| Total loans | 10,741,000 | 10,990,000 | 10,813,000 | 11,094,000 |
| Allowance for loan losses | 160,000 | 131,000 | 145,000 | 146,000 |
| Securities available for sale | 6,065,000 | 6,168,000 | 6,418,000 | 6,306,000 |
| Securities held to maturity | 2,360,000 | 2,403,000 | 2,578,000 | 2,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,922,000 | 23,624,000 | 23,223,000 | 23,091,000 |
| Interest-bearing deposits | 13,145,000 | 13,680,000 | 13,857,000 | 9,538,000 |
| Noninterest-bearing deposits | 8,777,000 | 9,944,000 | 9,366,000 | 13,553,000 |
| Equity capital | 2,352,000 | 2,446,000 | 2,420,000 | 2,477,000 |
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 | 284,000 | 586,000 | 904,000 | 1,229,000 |
| Interest expense | 22,000 | 49,000 | 81,000 | 113,000 |
| Net interest income | 262,000 | 537,000 | 823,000 | 1,116,000 |
| Noninterest income | 62,000 | 113,000 | 169,000 | 223,000 |
| Noninterest expense | 235,000 | 461,000 | 690,000 | 941,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 77,000 | 165,000 | 266,000 | 362,000 |
| Income tax | 15,000 | 33,000 | 55,000 | 65,000 |
| Net income | 62,000 | 132,000 | 211,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,396,000 | 2,466,000 | 2,454,000 | 2,540,000 |
| Total capital | 2,547,000 | 2,597,000 | 2,599,000 | 2,686,000 |
| Risk-weighted assets | 12,042,000 | 13,203,000 | 14,146,000 | 13,425,000 |
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