Call reports 2008
TEXAS FIRST BANK-WINNIE — 2008
What TEXAS FIRST BANK-WINNIE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 83,797,000 | 87,832,000 | 93,494,000 | 113,229,000 |
| Total loans | 27,232,000 | 27,614,000 | 28,784,000 | 28,973,000 |
| Allowance for loan losses | 455,000 | 453,000 | 441,000 | 441,000 |
| Securities available for sale | 33,353,000 | 39,098,000 | 46,107,000 | 55,587,000 |
| Securities held to maturity | 892,000 | 858,000 | 2,791,000 | 1,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,742,000 | 73,619,000 | 78,548,000 | 97,300,000 |
| Interest-bearing deposits | 42,168,000 | 42,877,000 | 46,292,000 | 53,731,000 |
| Noninterest-bearing deposits | 26,574,000 | 30,742,000 | 32,256,000 | 43,569,000 |
| Equity capital | 14,234,000 | 13,694,000 | 14,327,000 | 14,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,077,000 | 2,135,000 | 3,260,000 | 4,470,000 |
| Interest expense | 250,000 | 469,000 | 691,000 | 915,000 |
| Net interest income | 827,000 | 1,666,000 | 2,569,000 | 3,555,000 |
| Noninterest income | 270,000 | 527,000 | 801,000 | 1,053,000 |
| Noninterest expense | 820,000 | 1,636,000 | 2,472,000 | 3,589,000 |
| Provision for loan losses | 20,000 | 23,000 | 23,000 | 28,000 |
| Pretax income | 257,000 | 534,000 | 875,000 | 991,000 |
| Income tax | 90,000 | 179,000 | 305,000 | 333,000 |
| Net income | 167,000 | 355,000 | 570,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,983,000 | 7,331,000 | 7,273,000 | 7,791,000 |
| Total capital | 7,438,000 | 7,784,000 | 7,714,000 | 7,791,000 |
| Risk-weighted assets | 46,169,000 | 48,301,000 | 51,131,000 | 55,790,000 |