Call reports 2006
TEXAS EXCHANGE BANK — 2006
What TEXAS EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 26,109,000 | 24,304,000 | 24,585,000 | 25,046,000 |
| Total loans | 10,996,000 | 10,691,000 | 10,124,000 | 10,020,000 |
| Allowance for loan losses | 156,000 | 162,000 | 163,000 | 161,000 |
| Securities available for sale | 6,120,000 | 6,226,000 | 6,139,000 | 6,093,000 |
| Securities held to maturity | 2,527,000 | 2,964,000 | 2,842,000 | 2,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,473,000 | 21,627,000 | 21,824,000 | 22,224,000 |
| Interest-bearing deposits | 12,943,000 | 12,151,000 | 12,447,000 | 12,138,000 |
| Noninterest-bearing deposits | 10,530,000 | 9,476,000 | 9,377,000 | 10,086,000 |
| Equity capital | 2,449,000 | 2,492,000 | 2,523,000 | 2,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 657,000 | 984,000 | 1,320,000 |
| Interest expense | 33,000 | 68,000 | 110,000 | 155,000 |
| Net interest income | 293,000 | 589,000 | 874,000 | 1,165,000 |
| Noninterest income | 53,000 | 106,000 | 163,000 | 215,000 |
| Noninterest expense | 246,000 | 486,000 | 725,000 | 977,000 |
| Provision for loan losses | 9,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 91,000 | 191,000 | 294,000 | 385,000 |
| Income tax | 17,000 | 37,000 | 57,000 | 69,000 |
| Net income | 74,000 | 154,000 | 237,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,523,000 | 2,604,000 | 2,597,000 | 2,675,000 |
| Total capital | 2,679,000 | 2,762,000 | 2,750,000 | 2,832,000 |
| Risk-weighted assets | 13,571,000 | 12,599,000 | 12,252,000 | 12,563,000 |