Call reports 2008
TEXAS FIRST BANK — 2008
What TEXAS FIRST 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 |
|---|---|---|---|
| Total assets | 162,902,000 | 175,385,000 | 173,750,000 |
| Total loans | 78,201,000 | 77,582,000 | 77,168,000 |
| Allowance for loan losses | 1,100,000 | 1,096,000 | 1,121,000 |
| Securities available for sale | 12,479,000 | 19,850,000 | 30,952,000 |
| Securities held to maturity | 49,059,000 | 43,089,000 | 46,315,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 146,211,000 | 158,695,000 | 156,142,000 |
| Interest-bearing deposits | 109,815,000 | 110,299,000 | 113,140,000 |
| Noninterest-bearing deposits | 36,396,000 | 48,396,000 | 43,002,000 |
| Equity capital | 15,767,000 | 16,048,000 | 16,912,000 |
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 |
|---|---|---|---|
| Interest income | 2,368,000 | 4,746,000 | 7,227,000 |
| Interest expense | 900,000 | 1,726,000 | 2,552,000 |
| Net interest income | 1,468,000 | 3,020,000 | 4,675,000 |
| Noninterest income | 433,000 | 863,000 | 1,266,000 |
| Noninterest expense | 1,077,000 | 2,167,000 | 3,240,000 |
| Provision for loan losses | 24,000 | 50,000 | 80,000 |
| Pretax income | 800,000 | 1,666,000 | 2,621,000 |
| Income tax | 272,000 | 566,000 | 891,000 |
| Net income | 528,000 | 1,100,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 15,544,000 | 16,116,000 | 16,748,000 |
| Total capital | 16,614,000 | 17,191,000 | 17,859,000 |
| Risk-weighted assets | 96,985,000 | 101,125,000 | 100,065,000 |