Call reports 2004
TEXAS SAVINGS BANK, STATE SAVINGS BANK — 2004
What TEXAS SAVINGS BANK, STATE SAVINGS 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 | 46,560,000 | 46,469,000 | 45,579,000 | 45,937,000 |
| Total loans | 36,477,000 | 38,317,000 | 39,304,000 | 39,864,000 |
| Allowance for loan losses | 339,000 | 348,000 | 346,000 | 378,000 |
| Securities available for sale | 148,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 1,412,000 | 1,315,000 | 1,148,000 | 1,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,179,000 | 41,126,000 | 40,145,000 | 40,618,000 |
| Interest-bearing deposits | 38,987,000 | 38,683,000 | 37,950,000 | 38,296,000 |
| Noninterest-bearing deposits | 2,191,000 | 2,443,000 | 2,195,000 | 2,322,000 |
| Equity capital | 5,110,000 | 5,120,000 | 5,235,000 | 5,227,000 |
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 | 596,000 | 1,208,000 | 1,860,000 | 2,532,000 |
| Interest expense | 224,000 | 439,000 | 651,000 | 867,000 |
| Net interest income | 372,000 | 769,000 | 1,209,000 | 1,665,000 |
| Noninterest income | 24,000 | 55,000 | 108,000 | 159,000 |
| Noninterest expense | 264,000 | 522,000 | 790,000 | 1,049,000 |
| Provision for loan losses | 0 | 24,000 | 24,000 | 58,000 |
| Pretax income | 132,000 | 278,000 | 503,000 | 717,000 |
| Income tax | -39,000 | -39,000 | -39,000 | -39,000 |
| Net income | 171,000 | 317,000 | 542,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,102,000 | 5,120,000 | 5,235,000 | 5,227,000 |
| Total capital | 5,426,000 | 5,465,000 | 5,581,000 | 5,590,000 |
| Risk-weighted assets | 25,939,000 | 27,599,000 | 28,166,000 | 29,038,000 |