Call reports 2004
TEXICO STATE BANK — 2004
What TEXICO STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 7,617,000 | 7,782,000 | 8,465,000 | 8,520,000 |
| Total loans | 3,184,000 | 3,142,000 | 3,350,000 | 3,292,000 |
| Allowance for loan losses | 55,000 | 57,000 | 59,000 | 61,000 |
| Securities available for sale | 3,579,000 | 3,846,000 | 4,458,000 | 4,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,941,000 | 7,188,000 | 7,721,000 | 7,773,000 |
| Interest-bearing deposits | 4,638,000 | 4,646,000 | 4,556,000 | 4,182,000 |
| Noninterest-bearing deposits | 2,303,000 | 2,542,000 | 3,165,000 | 3,591,000 |
| Equity capital | 649,000 | 570,000 | 711,000 | 695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 109,000 | 217,000 | 334,000 | 456,000 |
| Interest expense | 16,000 | 31,000 | 47,000 | 62,000 |
| Net interest income | 93,000 | 186,000 | 287,000 | 394,000 |
| Noninterest income | 7,000 | 11,000 | 18,000 | 23,000 |
| Noninterest expense | 83,000 | 170,000 | 275,000 | 360,000 |
| Provision for loan losses | 2,000 | 4,000 | 7,000 | 9,000 |
| Pretax income | 15,000 | 23,000 | 23,000 | 48,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 7,000 |
| Net income | 12,000 | 17,000 | 15,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 618,000 | 612,000 | 686,000 | 697,000 |
| Total capital | 650,000 | 644,000 | 720,000 | 730,000 |
| Risk-weighted assets | 2,560,000 | 2,522,000 | 2,681,000 | 2,615,000 |