Call reports 2008
TEXAS SAVINGS BANK, STATE SAVINGS BANK — 2008
What TEXAS SAVINGS BANK, STATE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,371,000 | 83,966,000 | 93,087,000 | 97,859,000 |
| Total loans | 63,493,000 | 69,926,000 | 78,008,000 | 83,100,000 |
| Allowance for loan losses | 527,000 | 552,000 | 574,000 | 601,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,000 | 17,000 | 13,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,976,000 | 73,894,000 | 79,249,000 | 79,099,000 |
| Interest-bearing deposits | 65,138,000 | 65,284,000 | 63,203,000 | 63,949,000 |
| Noninterest-bearing deposits | 8,839,000 | 8,610,000 | 16,046,000 | 15,150,000 |
| Equity capital | 7,294,000 | 7,450,000 | 7,660,000 | 7,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,261,000 | 2,514,000 | 3,889,000 | 5,321,000 |
| Interest expense | 628,000 | 1,236,000 | 1,837,000 | 2,435,000 |
| Net interest income | 633,000 | 1,278,000 | 2,052,000 | 2,886,000 |
| Noninterest income | 171,000 | 363,000 | 562,000 | 752,000 |
| Noninterest expense | 518,000 | 1,091,000 | 1,674,000 | 2,323,000 |
| Provision for loan losses | 0 | 28,000 | 56,000 | 85,000 |
| Pretax income | 286,000 | 522,000 | 884,000 | 1,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 522,000 | 884,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,294,000 | 7,450,000 | 7,660,000 | 7,905,000 |
| Total capital | 7,821,000 | 8,002,000 | 8,234,000 | 8,506,000 |
| Risk-weighted assets | 58,435,000 | 65,682,000 | 72,248,000 | 77,145,000 |