Call reports 2003
TEXAS SAVINGS BANK, STATE SAVINGS BANK — 2003
What TEXAS SAVINGS BANK, STATE SAVINGS 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 | 42,165,000 | 44,251,000 | 44,165,000 | 46,851,000 |
| Total loans | 33,649,000 | 34,780,000 | 34,806,000 | 35,433,000 |
| Allowance for loan losses | 332,000 | 330,000 | 330,000 | 362,000 |
| Securities available for sale | 177,000 | 169,000 | 163,000 | 159,000 |
| Securities held to maturity | 2,290,000 | 1,792,000 | 1,233,000 | 986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,738,000 | 38,846,000 | 38,700,000 | 41,478,000 |
| Interest-bearing deposits | 35,643,000 | 37,286,000 | 37,362,000 | 39,798,000 |
| Noninterest-bearing deposits | 1,095,000 | 1,560,000 | 1,338,000 | 1,681,000 |
| Equity capital | 4,918,000 | 4,944,000 | 5,035,000 | 5,030,000 |
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 | 617,000 | 1,239,000 | 1,853,000 | 2,500,000 |
| Interest expense | 261,000 | 519,000 | 765,000 | 995,000 |
| Net interest income | 356,000 | 720,000 | 1,088,000 | 1,505,000 |
| Noninterest income | 64,000 | 90,000 | 142,000 | 162,000 |
| Noninterest expense | 344,000 | 633,000 | 888,000 | 1,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 39,000 |
| Pretax income | 76,000 | 177,000 | 342,000 | 464,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 177,000 | 342,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,910,000 | 4,936,000 | 5,026,000 | 5,021,000 |
| Total capital | 5,186,000 | 5,230,000 | 5,326,000 | 5,329,000 |
| Risk-weighted assets | 22,039,000 | 23,508,000 | 23,967,000 | 24,801,000 |