Call reports 2005
TEXAS BANK — 2005
What TEXAS BANK 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 | 137,457,000 | 133,682,000 | 145,956,000 | 148,633,000 |
| Total loans | 65,089,000 | 66,361,000 | 66,814,000 | 67,131,000 |
| Allowance for loan losses | 1,430,000 | 1,456,000 | 1,441,000 | 1,249,000 |
| Securities available for sale | 64,721,000 | 58,649,000 | 62,501,000 | 73,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,756,000 | 122,866,000 | 134,746,000 | 136,938,000 |
| Interest-bearing deposits | 110,151,000 | 104,637,000 | 117,995,000 | 117,768,000 |
| Noninterest-bearing deposits | 16,605,000 | 18,229,000 | 16,751,000 | 19,170,000 |
| Equity capital | 10,051,000 | 10,545,000 | 10,861,000 | 10,616,000 |
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 | 1,822,000 | 3,743,000 | 5,715,000 | 7,884,000 |
| Interest expense | 705,000 | 1,432,000 | 2,197,000 | 3,178,000 |
| Net interest income | 1,117,000 | 2,311,000 | 3,518,000 | 4,706,000 |
| Noninterest income | 560,000 | 1,139,000 | 1,743,000 | 2,485,000 |
| Noninterest expense | 1,160,000 | 2,342,000 | 3,579,000 | 4,905,000 |
| Provision for loan losses | 57,000 | 109,000 | 141,000 | 330,000 |
| Pretax income | 450,000 | 977,000 | 1,508,000 | 1,871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 450,000 | 977,000 | 1,508,000 | 1,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,238,000 | 10,585,000 | 10,935,000 | 11,029,000 |
| Total capital | 11,199,000 | 11,546,000 | 11,940,000 | 12,048,000 |
| Risk-weighted assets | 76,414,000 | 76,373,000 | 79,936,000 | 81,265,000 |