Call reports 2005
TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 100,447,000 | 122,160,000 | 134,605,000 | 144,643,000 |
| Total loans | 87,716,000 | 110,016,000 | 126,484,000 | 131,202,000 |
| Allowance for loan losses | 1,387,000 | 1,641,000 | 1,896,000 | 1,974,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,849,000 | 104,211,000 | 115,866,000 | 126,513,000 |
| Interest-bearing deposits | 72,737,000 | 92,143,000 | 100,881,000 | 111,390,000 |
| Noninterest-bearing deposits | 10,112,000 | 12,068,000 | 14,985,000 | 15,123,000 |
| Equity capital | 11,096,000 | 11,485,000 | 12,023,000 | 12,623,000 |
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 | 1,795,000 | 4,176,000 | 6,983,000 | 10,018,000 |
| Interest expense | 434,000 | 1,064,000 | 1,961,000 | 2,982,000 |
| Net interest income | 1,361,000 | 3,112,000 | 5,022,000 | 7,036,000 |
| Noninterest income | 37,000 | 74,000 | 119,000 | 164,000 |
| Noninterest expense | 719,000 | 1,718,000 | 2,712,000 | 3,871,000 |
| Provision for loan losses | 130,000 | 384,000 | 645,000 | 717,000 |
| Pretax income | 549,000 | 1,084,000 | 1,784,000 | 2,612,000 |
| Income tax | 75,000 | 220,000 | 382,000 | 610,000 |
| Net income | 474,000 | 864,000 | 1,402,000 | 2,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,096,000 | 11,485,000 | 12,023,000 | 12,623,000 |
| Total capital | 12,172,000 | 13,066,000 | 13,604,000 | 14,312,000 |
| Risk-weighted assets | 85,747,000 | 126,382,000 | 131,615,000 | 134,360,000 |