Call reports 2003
TEXAS FIRST BANK — 2003
What TEXAS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 126,963,000 | 130,001,000 | 136,090,000 | 128,192,000 |
| Total loans | 50,179,000 | 48,486,000 | 46,586,000 | 47,434,000 |
| Allowance for loan losses | 576,000 | 625,000 | 649,000 | 665,000 |
| Securities available for sale | 8,392,000 | 10,189,000 | 17,807,000 | 16,339,000 |
| Securities held to maturity | 51,589,000 | 47,202,000 | 49,052,000 | 50,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,602,000 | 117,299,000 | 123,281,000 | 115,326,000 |
| Interest-bearing deposits | 83,262,000 | 84,378,000 | 91,035,000 | 83,846,000 |
| Noninterest-bearing deposits | 31,340,000 | 32,921,000 | 32,246,000 | 31,480,000 |
| Equity capital | 11,676,000 | 12,089,000 | 12,253,000 | 12,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,677,000 | 3,264,000 | 4,851,000 | 6,441,000 |
| Interest expense | 487,000 | 918,000 | 1,308,000 | 1,682,000 |
| Net interest income | 1,190,000 | 2,346,000 | 3,543,000 | 4,759,000 |
| Noninterest income | 359,000 | 719,000 | 1,055,000 | 1,393,000 |
| Noninterest expense | 801,000 | 1,640,000 | 2,433,000 | 3,512,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 673,000 | 1,275,000 | 1,940,000 | 2,340,000 |
| Income tax | 228,000 | 434,000 | 660,000 | 789,000 |
| Net income | 445,000 | 841,000 | 1,280,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,567,000 | 11,963,000 | 12,402,000 | 12,273,000 |
| Total capital | 12,143,000 | 12,588,000 | 13,051,000 | 12,938,000 |
| Risk-weighted assets | 63,771,000 | 62,723,000 | 62,709,000 | 61,572,000 |