Call reports 2004
TEXAS CHAMPION BANK — 2004
What TEXAS CHAMPION 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 | 136,086,000 | 144,772,000 | 151,487,000 | 155,236,000 |
| Total loans | 114,817,000 | 119,940,000 | 122,875,000 | 124,120,000 |
| Allowance for loan losses | 1,332,000 | 1,186,000 | 1,152,000 | 1,140,000 |
| Securities available for sale | 5,976,000 | 4,861,000 | 4,858,000 | 6,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,120,000 | 112,389,000 | 116,235,000 | 117,176,000 |
| Interest-bearing deposits | 72,528,000 | 74,150,000 | 74,001,000 | 77,590,000 |
| Noninterest-bearing deposits | 32,592,000 | 38,239,000 | 42,234,000 | 39,586,000 |
| Equity capital | 13,125,000 | 13,672,000 | 14,398,000 | 15,084,000 |
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 | 1,966,000 | 4,089,000 | 6,298,000 | 8,656,000 |
| Interest expense | 302,000 | 627,000 | 994,000 | 1,445,000 |
| Net interest income | 1,664,000 | 3,462,000 | 5,304,000 | 7,211,000 |
| Noninterest income | 526,000 | 1,055,000 | 1,633,000 | 2,233,000 |
| Noninterest expense | 1,390,000 | 2,863,000 | 4,334,000 | 5,830,000 |
| Provision for loan losses | 120,000 | 375,000 | 625,000 | 933,000 |
| Pretax income | 680,000 | 1,279,000 | 1,978,000 | 2,681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 680,000 | 1,279,000 | 1,978,000 | 2,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,427,000 | 13,037,000 | 13,747,000 | 14,460,000 |
| Total capital | 13,759,000 | 14,223,000 | 14,899,000 | 15,600,000 |
| Risk-weighted assets | 115,338,000 | 120,959,000 | 123,343,000 | 125,659,000 |