Call reports 2003
EXPRESS BANK OF TEXAS, THE — 2003
What EXPRESS BANK OF TEXAS, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Total assets | 14,576,000 | 17,737,000 |
| Total loans | 1,587,000 | 6,915,000 |
| Allowance for loan losses | 18,000 | 0 |
| Securities available for sale | 1,998,000 | 5,470,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 9,391,000 | 12,691,000 |
| Interest-bearing deposits | 8,595,000 | 11,357,000 |
| Noninterest-bearing deposits | 795,000 | 1,334,000 |
| Equity capital | 5,173,000 | 5,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Interest income | 26,000 | 141,000 |
| Interest expense | 14,000 | 50,000 |
| Net interest income | 12,000 | 91,000 |
| Noninterest income | 3,000 | 10,000 |
| Noninterest expense | 324,000 | 599,000 |
| Provision for loan losses | 18,000 | 0 |
| Pretax income | -327,000 | -498,000 |
| Income tax | 0 | 0 |
| Net income | -327,000 | -498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Tier 1 capital | 5,160,000 | 5,002,000 |
| Total capital | 5,178,000 | 5,002,000 |
| Risk-weighted assets | 6,999,000 | 12,131,000 |