Call reports 2004
EXPRESS BANK OF TEXAS, THE — 2004
What EXPRESS BANK OF TEXAS, THE 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 | 23,085,000 | 32,179,000 | 41,179,000 | 46,527,000 |
| Total loans | 9,213,000 | 10,105,000 | 11,105,000 | 12,836,000 |
| Allowance for loan losses | 15,000 | 30,000 | 45,000 | 120,000 |
| Securities available for sale | 4,020,000 | 14,308,000 | 20,025,000 | 21,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,137,000 | 27,366,000 | 36,097,000 | 41,571,000 |
| Interest-bearing deposits | 16,130,000 | 24,993,000 | 32,256,000 | 37,829,000 |
| Noninterest-bearing deposits | 2,007,000 | 2,373,000 | 3,841,000 | 3,742,000 |
| Equity capital | 4,928,000 | 4,760,000 | 4,914,000 | 4,553,000 |
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 | 163,000 | 385,000 | 763,000 | 1,190,000 |
| Interest expense | 48,000 | 123,000 | 255,000 | 403,000 |
| Net interest income | 115,000 | 262,000 | 508,000 | 787,000 |
| Noninterest income | 28,000 | 40,000 | 51,000 | 69,000 |
| Noninterest expense | 256,000 | 493,000 | 784,000 | 1,328,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 120,000 |
| Pretax income | -100,000 | -193,000 | -223,000 | -457,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -100,000 | -193,000 | -223,000 | -457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,902,000 | 4,809,000 | 4,778,000 | 4,544,000 |
| Total capital | 4,917,000 | 4,839,000 | 4,823,000 | 4,664,000 |
| Risk-weighted assets | 14,693,000 | 17,094,000 | 20,372,000 | 23,131,000 |