Call reports 2005
TEXAS FIRST BANK — 2005
What TEXAS FIRST 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 | 155,013,000 | 163,085,000 | 159,095,000 | 161,322,000 |
| Total loans | 65,420,000 | 65,190,000 | 66,891,000 | 65,102,000 |
| Allowance for loan losses | 1,106,000 | 1,058,000 | 1,125,000 | 1,075,000 |
| Securities available for sale | 24,272,000 | 24,326,000 | 27,664,000 | 29,450,000 |
| Securities held to maturity | 50,830,000 | 53,234,000 | 54,308,000 | 54,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,729,000 | 146,724,000 | 142,273,000 | 144,428,000 |
| Interest-bearing deposits | 102,003,000 | 104,344,000 | 105,335,000 | 106,870,000 |
| Noninterest-bearing deposits | 36,726,000 | 42,380,000 | 36,938,000 | 37,558,000 |
| Equity capital | 15,568,000 | 15,823,000 | 16,208,000 | 16,149,000 |
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 | 1,879,000 | 3,771,000 | 5,788,000 | 7,848,000 |
| Interest expense | 477,000 | 985,000 | 1,582,000 | 2,249,000 |
| Net interest income | 1,402,000 | 2,786,000 | 4,206,000 | 5,599,000 |
| Noninterest income | 484,000 | 896,000 | 1,284,000 | 1,628,000 |
| Noninterest expense | 906,000 | 1,944,000 | 2,843,000 | 3,992,000 |
| Provision for loan losses | 199,000 | 229,000 | 485,000 | 516,000 |
| Pretax income | 781,000 | 1,509,000 | 2,162,000 | 2,720,000 |
| Income tax | 265,000 | 513,000 | 735,000 | 922,000 |
| Net income | 516,000 | 996,000 | 1,427,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,894,000 | 16,068,000 | 16,499,000 | 16,520,000 |
| Total capital | 16,949,000 | 17,126,000 | 17,595,000 | 17,595,000 |
| Risk-weighted assets | 84,338,000 | 85,996,000 | 87,619,000 | 87,227,000 |