Call reports 2009
TEXAS EXCHANGE BANK — 2009
What TEXAS EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,935,000 | 56,409,000 | 76,854,000 | 66,042,000 |
| Total loans | 27,923,000 | 28,239,000 | 27,446,000 | 24,087,000 |
| Allowance for loan losses | 1,716,000 | 1,764,000 | 1,463,000 | 928,000 |
| Securities available for sale | 5,615,000 | 4,349,000 | 8,646,000 | 13,681,000 |
| Securities held to maturity | 1,064,000 | 1,049,000 | 1,034,000 | 870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,710,000 | 42,361,000 | 42,578,000 | 51,376,000 |
| Interest-bearing deposits | 30,927,000 | 32,815,000 | 32,851,000 | 41,560,000 |
| Noninterest-bearing deposits | 9,783,000 | 9,546,000 | 9,727,000 | 9,816,000 |
| Equity capital | 13,930,000 | 13,773,000 | 14,115,000 | 14,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,511,000 | 2,176,000 | 2,882,000 |
| Interest expense | 209,000 | 415,000 | 629,000 | 832,000 |
| Net interest income | 545,000 | 1,096,000 | 1,547,000 | 2,050,000 |
| Noninterest income | 47,000 | 134,000 | 242,000 | 370,000 |
| Noninterest expense | 490,000 | 966,000 | 1,575,000 | 2,208,000 |
| Provision for loan losses | 134,000 | 460,000 | 182,000 | -62,000 |
| Pretax income | -32,000 | -168,000 | 60,000 | 297,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -32,000 | -168,000 | 60,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,488,000 | 11,408,000 | 11,692,000 | 11,984,000 |
| Total capital | 11,921,000 | 11,835,000 | 12,220,000 | 12,497,000 |
| Risk-weighted assets | 33,375,000 | 32,891,000 | 41,314,000 | 40,618,000 |