Call reports 2005
TEXAS SAVINGS BANK, STATE SAVINGS BANK — 2005
What TEXAS SAVINGS BANK, STATE SAVINGS 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 | 47,639,000 | 48,752,000 | 50,995,000 | 50,963,000 |
| Total loans | 41,166,000 | 41,481,000 | 43,830,000 | 43,928,000 |
| Allowance for loan losses | 410,000 | 404,000 | 404,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,075,000 | 1,042,000 | 802,000 | 791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,292,000 | 43,270,000 | 45,350,000 | 45,289,000 |
| Interest-bearing deposits | 39,958,000 | 40,429,000 | 41,811,000 | 42,108,000 |
| Noninterest-bearing deposits | 2,334,000 | 2,842,000 | 3,539,000 | 3,180,000 |
| Equity capital | 5,281,000 | 5,407,000 | 5,524,000 | 5,608,000 |
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 | 692,000 | 1,434,000 | 2,262,000 | 3,133,000 |
| Interest expense | 223,000 | 486,000 | 783,000 | 1,106,000 |
| Net interest income | 469,000 | 948,000 | 1,479,000 | 2,027,000 |
| Noninterest income | 52,000 | 119,000 | 194,000 | 268,000 |
| Noninterest expense | 308,000 | 590,000 | 858,000 | 1,166,000 |
| Provision for loan losses | 34,000 | 37,000 | 60,000 | 60,000 |
| Pretax income | 179,000 | 440,000 | 755,000 | 1,069,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 440,000 | 755,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,281,000 | 5,407,000 | 5,524,000 | 5,608,000 |
| Total capital | 5,654,000 | 5,803,000 | 5,928,000 | 6,008,000 |
| Risk-weighted assets | 30,192,000 | 30,878,000 | 34,168,000 | 34,437,000 |