Call reports 2003
TEXICO STATE BANK — 2003
What TEXICO STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 7,972,000 | 7,963,000 | 7,537,000 | 7,762,000 |
| Total loans | 3,060,000 | 3,185,000 | 3,244,000 | 3,212,000 |
| Allowance for loan losses | 49,000 | 52,000 | 54,000 | 55,000 |
| Securities available for sale | 3,961,000 | 4,093,000 | 3,833,000 | 3,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,174,000 | 7,124,000 | 6,864,000 | 7,116,000 |
| Interest-bearing deposits | 4,882,000 | 4,788,000 | 4,611,000 | 4,776,000 |
| Noninterest-bearing deposits | 2,292,000 | 2,336,000 | 2,253,000 | 2,340,000 |
| Equity capital | 762,000 | 787,000 | 648,000 | 615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 104,000 | 225,000 | 340,000 | 454,000 |
| Interest expense | 21,000 | 40,000 | 58,000 | 74,000 |
| Net interest income | 83,000 | 185,000 | 282,000 | 380,000 |
| Noninterest income | 10,000 | 20,000 | 25,000 | 30,000 |
| Noninterest expense | 84,000 | 168,000 | 251,000 | 337,000 |
| Provision for loan losses | 1,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 8,000 | 32,000 | 49,000 | 64,000 |
| Income tax | 3,000 | 5,000 | 10,000 | 11,000 |
| Net income | 5,000 | 27,000 | 39,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 728,000 | 728,000 | 660,000 | 619,000 |
| Total capital | 757,000 | 759,000 | 691,000 | 650,000 |
| Risk-weighted assets | 2,311,000 | 2,426,000 | 2,466,000 | 2,488,000 |