Call reports 2007
TEXAS EXCHANGE BANK — 2007
What TEXAS EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 24,338,000 | 25,159,000 | 29,356,000 | 29,826,000 |
| Total loans | 9,586,000 | 9,076,000 | 8,627,000 | 8,760,000 |
| Allowance for loan losses | 147,000 | 110,000 | 108,000 | 111,000 |
| Securities available for sale | 6,101,000 | 6,478,000 | 6,740,000 | 7,749,000 |
| Securities held to maturity | 2,298,000 | 2,309,000 | 2,523,000 | 2,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,537,000 | 22,331,000 | 22,554,000 | 22,993,000 |
| Interest-bearing deposits | 12,003,000 | 12,481,000 | 12,914,000 | 13,081,000 |
| Noninterest-bearing deposits | 9,534,000 | 9,850,000 | 9,640,000 | 9,912,000 |
| Equity capital | 2,592,000 | 2,626,000 | 6,621,000 | 6,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 655,000 | 205,000 | 542,000 |
| Interest expense | 48,000 | 98,000 | 32,000 | 90,000 |
| Net interest income | 276,000 | 557,000 | 173,000 | 452,000 |
| Noninterest income | 54,000 | 109,000 | 36,000 | 98,000 |
| Noninterest expense | 280,000 | 535,000 | 173,000 | 514,000 |
| Provision for loan losses | -14,000 | -14,000 | 3,000 | 8,000 |
| Pretax income | 64,000 | 145,000 | 33,000 | 28,000 |
| Income tax | 7,000 | 18,000 | 0 | -10,000 |
| Net income | 57,000 | 127,000 | 33,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,642,000 | 2,712,000 | 3,936,000 | 3,996,000 |
| Total capital | 2,789,000 | 2,822,000 | 4,044,000 | 4,107,000 |
| Risk-weighted assets | 11,806,000 | 11,715,000 | 13,918,000 | 13,288,000 |