Call reports 2005
TEXAS CHAMPION BANK — 2005
What TEXAS CHAMPION 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 | 153,456,000 | 164,647,000 | 183,339,000 | 183,478,000 |
| Total loans | 128,157,000 | 136,424,000 | 143,356,000 | 148,707,000 |
| Allowance for loan losses | 1,258,000 | 1,319,000 | 1,261,000 | 1,300,000 |
| Securities available for sale | 7,683,000 | 7,669,000 | 7,636,000 | 6,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,041,000 | 119,252,000 | 129,524,000 | 138,853,000 |
| Interest-bearing deposits | 76,837,000 | 79,319,000 | 84,558,000 | 90,626,000 |
| Noninterest-bearing deposits | 38,204,000 | 39,933,000 | 44,966,000 | 48,226,000 |
| Equity capital | 15,388,000 | 15,708,000 | 16,240,000 | 17,037,000 |
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 | 2,489,000 | 5,180,000 | 8,288,000 | 11,655,000 |
| Interest expense | 481,000 | 1,022,000 | 1,744,000 | 2,607,000 |
| Net interest income | 2,008,000 | 4,158,000 | 6,544,000 | 9,048,000 |
| Noninterest income | 529,000 | 1,066,000 | 1,610,000 | 2,235,000 |
| Noninterest expense | 1,486,000 | 3,144,000 | 4,813,000 | 6,787,000 |
| Provision for loan losses | 137,000 | 232,000 | 457,000 | 727,000 |
| Pretax income | 914,000 | 1,848,000 | 2,884,000 | 3,769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 914,000 | 1,848,000 | 2,884,000 | 3,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,868,000 | 15,184,000 | 15,727,000 | 16,532,000 |
| Total capital | 16,126,000 | 16,503,000 | 16,988,000 | 17,832,000 |
| Risk-weighted assets | 128,567,000 | 139,051,000 | 147,562,000 | 150,757,000 |