Call reports 2005
TEXAS FIRST BANK — 2005
What TEXAS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 136,251,000 | 136,946,000 | 146,834,000 | 149,711,000 |
| Total loans | 48,919,000 | 47,563,000 | 48,674,000 | 49,741,000 |
| Allowance for loan losses | 808,000 | 851,000 | 885,000 | 836,000 |
| Securities available for sale | 30,508,000 | 30,443,000 | 40,635,000 | 39,713,000 |
| Securities held to maturity | 42,204,000 | 42,275,000 | 42,544,000 | 42,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,029,000 | 122,635,000 | 132,073,000 | 134,989,000 |
| Interest-bearing deposits | 90,058,000 | 92,044,000 | 99,314,000 | 99,139,000 |
| Noninterest-bearing deposits | 31,971,000 | 30,591,000 | 32,759,000 | 35,850,000 |
| Equity capital | 13,561,000 | 13,764,000 | 14,164,000 | 14,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,134,000 | 4,886,000 | 6,659,000 |
| Interest expense | 350,000 | 779,000 | 1,259,000 | 1,786,000 |
| Net interest income | 1,202,000 | 2,355,000 | 3,627,000 | 4,873,000 |
| Noninterest income | 339,000 | 698,000 | 1,041,000 | 1,381,000 |
| Noninterest expense | 772,000 | 1,551,000 | 2,339,000 | 3,432,000 |
| Provision for loan losses | 65,000 | 127,000 | 244,000 | 218,000 |
| Pretax income | 704,000 | 1,375,000 | 2,085,000 | 2,602,000 |
| Income tax | 240,000 | 468,000 | 709,000 | 835,000 |
| Net income | 464,000 | 907,000 | 1,376,000 | 1,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,025,000 | 14,116,000 | 14,585,000 | 14,626,000 |
| Total capital | 14,833,000 | 14,960,000 | 15,470,000 | 15,462,000 |
| Risk-weighted assets | 68,559,000 | 67,502,000 | 71,306,000 | 72,982,000 |