Call reports 2004
TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 70,093,000 | 73,335,000 | 82,514,000 | 90,648,000 |
| Total loans | 60,069,000 | 67,446,000 | 71,468,000 | 79,048,000 |
| Allowance for loan losses | 901,000 | 1,082,000 | 1,162,000 | 1,257,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,578,000 | 63,477,000 | 69,320,000 | 73,646,000 |
| Interest-bearing deposits | 55,633,000 | 55,305,000 | 60,095,000 | 65,124,000 |
| Noninterest-bearing deposits | 4,945,000 | 8,172,000 | 9,225,000 | 8,522,000 |
| Equity capital | 6,607,000 | 6,837,000 | 7,112,000 | 10,621,000 |
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 | 1,096,000 | 2,456,000 | 3,873,000 | 5,519,000 |
| Interest expense | 241,000 | 524,000 | 839,000 | 1,197,000 |
| Net interest income | 855,000 | 1,932,000 | 3,034,000 | 4,322,000 |
| Noninterest income | 78,000 | 119,000 | 169,000 | 212,000 |
| Noninterest expense | 618,000 | 1,277,000 | 1,982,000 | 2,598,000 |
| Provision for loan losses | 123,000 | 313,000 | 393,000 | 490,000 |
| Pretax income | 192,000 | 461,000 | 828,000 | 1,446,000 |
| Income tax | 0 | 39,000 | 131,000 | 240,000 |
| Net income | 192,000 | 422,000 | 697,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,607,000 | 6,837,000 | 7,112,000 | 10,621,000 |
| Total capital | 7,342,000 | 7,640,000 | 7,972,000 | 11,567,000 |
| Risk-weighted assets | 58,661,000 | 63,981,000 | 68,528,000 | 75,360,000 |