Call reports 2004
TEXAS FIRST BANK — 2004
What TEXAS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 132,884,000 | 131,818,000 | 135,601,000 | 125,426,000 |
| Total loans | 46,587,000 | 45,345,000 | 45,597,000 | 47,621,000 |
| Allowance for loan losses | 721,000 | 758,000 | 786,000 | 757,000 |
| Securities available for sale | 21,244,000 | 26,745,000 | 33,470,000 | 31,096,000 |
| Securities held to maturity | 39,838,000 | 44,326,000 | 40,950,000 | 39,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,207,000 | 118,576,000 | 121,453,000 | 110,468,000 |
| Interest-bearing deposits | 89,643,000 | 89,772,000 | 91,175,000 | 82,132,000 |
| Noninterest-bearing deposits | 29,564,000 | 28,804,000 | 30,278,000 | 28,336,000 |
| Equity capital | 12,775,000 | 12,723,000 | 13,519,000 | 13,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,022,000 | 4,577,000 | 6,117,000 |
| Interest expense | 364,000 | 695,000 | 1,037,000 | 1,385,000 |
| Net interest income | 1,159,000 | 2,327,000 | 3,540,000 | 4,732,000 |
| Noninterest income | 364,000 | 729,000 | 1,068,000 | 1,390,000 |
| Noninterest expense | 811,000 | 1,608,000 | 2,400,000 | 3,433,000 |
| Provision for loan losses | 70,000 | 138,000 | 205,000 | 228,000 |
| Pretax income | 642,000 | 1,310,000 | 2,003,000 | 2,461,000 |
| Income tax | 218,000 | 446,000 | 681,000 | 815,000 |
| Net income | 424,000 | 864,000 | 1,322,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,697,000 | 13,137,000 | 13,595,000 | 13,559,000 |
| Total capital | 13,418,000 | 13,895,000 | 14,381,000 | 14,316,000 |
| Risk-weighted assets | 62,750,000 | 64,422,000 | 65,223,000 | 64,960,000 |