Call reports 2005
TEXICO STATE BANK — 2005
What TEXICO STATE 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 | 9,251,000 | 11,388,000 | 8,868,000 | 8,937,000 |
| Total loans | 3,290,000 | 3,215,000 | 3,390,000 | 3,546,000 |
| Allowance for loan losses | 64,000 | 67,000 | 69,000 | 69,000 |
| Securities available for sale | 5,416,000 | 7,226,000 | 4,396,000 | 4,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,674,000 | 7,775,000 | 7,878,000 | 7,967,000 |
| Interest-bearing deposits | 4,165,000 | 3,938,000 | 3,729,000 | 3,706,000 |
| Noninterest-bearing deposits | 3,509,000 | 3,837,000 | 4,149,000 | 4,261,000 |
| Equity capital | 934,000 | 999,000 | 952,000 | 924,000 |
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 | 126,000 | 263,000 | 394,000 | 508,000 |
| Interest expense | 17,000 | 44,000 | 72,000 | 90,000 |
| Net interest income | 109,000 | 219,000 | 322,000 | 418,000 |
| Noninterest income | 6,000 | 15,000 | 22,000 | 29,000 |
| Noninterest expense | 96,000 | 186,000 | 340,000 | 418,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 7,000 |
| Pretax income | 17,000 | 43,000 | -120,000 | -95,000 |
| Income tax | 3,000 | 6,000 | -2,000 | -13,000 |
| Net income | 14,000 | 37,000 | -118,000 | -82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 989,000 | 993,000 | 960,000 | 966,000 |
| Total capital | 1,022,000 | 1,042,000 | 1,010,000 | 1,016,000 |
| Risk-weighted assets | 2,692,000 | 3,134,000 | 3,208,000 | 3,394,000 |