Call reports 2005
EXPRESS BANK OF TEXAS, THE — 2005
What EXPRESS BANK OF TEXAS, THE 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 | 45,509,000 | 44,725,000 | 42,820,000 | 42,843,000 |
| Total loans | 14,059,000 | 17,803,000 | 21,581,000 | 19,157,000 |
| Allowance for loan losses | 120,000 | 170,000 | 157,000 | 157,000 |
| Securities available for sale | 20,570,000 | 15,902,000 | 14,933,000 | 11,414,000 |
| Securities held to maturity | 1,058,000 | 1,057,000 | 1,057,000 | 1,056,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,099,000 | 40,204,000 | 36,363,000 | 38,650,000 |
| Interest-bearing deposits | 35,944,000 | 34,129,000 | 30,612,000 | 31,608,000 |
| Noninterest-bearing deposits | 5,155,000 | 6,075,000 | 5,751,000 | 7,042,000 |
| Equity capital | 4,335,000 | 4,405,000 | 4,295,000 | 4,130,000 |
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 | 461,000 | 967,000 | 1,468,000 | 1,999,000 |
| Interest expense | 174,000 | 355,000 | 537,000 | 785,000 |
| Net interest income | 287,000 | 612,000 | 931,000 | 1,214,000 |
| Noninterest income | 29,000 | 74,000 | 180,000 | 280,000 |
| Noninterest expense | 340,000 | 708,000 | 1,158,000 | 1,563,000 |
| Provision for loan losses | 4,000 | 54,000 | 54,000 | 54,000 |
| Pretax income | -28,000 | -73,000 | -97,000 | -205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -28,000 | -73,000 | -97,000 | -205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,517,000 | 4,472,000 | 4,447,000 | 4,339,000 |
| Total capital | 4,637,000 | 4,642,000 | 4,604,000 | 4,496,000 |
| Risk-weighted assets | 23,248,000 | 26,036,000 | 28,951,000 | 26,862,000 |