Call reports 2008
TEXAS BANK — 2008
What TEXAS BANK 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 | 183,549,000 | 183,219,000 | 194,967,000 | 194,317,000 |
| Total loans | 86,737,000 | 93,975,000 | 99,077,000 | 97,524,000 |
| Allowance for loan losses | 1,165,000 | 1,046,000 | 1,274,000 | 1,352,000 |
| Securities available for sale | 85,903,000 | 75,934,000 | 81,616,000 | 76,809,000 |
| Securities held to maturity | 0 | 1,684,000 | 1,684,000 | 1,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,818,000 | 160,865,000 | 171,042,000 | 175,275,000 |
| Interest-bearing deposits | 135,218,000 | 137,821,000 | 146,549,000 | 151,073,000 |
| Noninterest-bearing deposits | 21,600,000 | 23,044,000 | 24,493,000 | 24,202,000 |
| Equity capital | 13,615,000 | 12,983,000 | 13,272,000 | 9,753,000 |
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 | 2,701,000 | 5,412,000 | 8,172,000 | 11,008,000 |
| Interest expense | 1,173,000 | 2,172,000 | 3,149,000 | 4,150,000 |
| Net interest income | 1,528,000 | 3,240,000 | 5,023,000 | 6,858,000 |
| Noninterest income | 783,000 | 1,558,000 | 2,472,000 | 3,266,000 |
| Noninterest expense | 1,406,000 | 2,824,000 | 4,381,000 | 6,319,000 |
| Provision for loan losses | 32,000 | 109,000 | 438,000 | 635,000 |
| Pretax income | 916,000 | 1,924,000 | 2,734,000 | 3,233,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 916,000 | 1,924,000 | 2,734,000 | 3,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,275,000 | 14,833,000 | 15,141,000 | 15,190,000 |
| Total capital | 15,440,000 | 15,879,000 | 16,415,000 | 16,542,000 |
| Risk-weighted assets | 105,731,000 | 108,216,000 | 113,244,000 | 111,629,000 |