Call reports 2004
TEXAS STATE BANK — 2004
What TEXAS STATE 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 | 148,929,000 | 147,905,000 | 142,449,000 | 152,043,000 |
| Total loans | 68,510,000 | 68,829,000 | 68,807,000 | 70,694,000 |
| Allowance for loan losses | 579,000 | 590,000 | 599,000 | 613,000 |
| Securities available for sale | 49,593,000 | 47,701,000 | 44,626,000 | 52,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,967,000 | 131,338,000 | 125,212,000 | 134,773,000 |
| Interest-bearing deposits | 105,075,000 | 103,164,000 | 101,646,000 | 107,914,000 |
| Noninterest-bearing deposits | 26,892,000 | 28,174,000 | 23,566,000 | 26,859,000 |
| Equity capital | 16,075,000 | 15,678,000 | 16,333,000 | 16,466,000 |
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 | 1,580,000 | 3,062,000 | 4,563,000 | 6,113,000 |
| Interest expense | 336,000 | 640,000 | 930,000 | 1,253,000 |
| Net interest income | 1,244,000 | 2,422,000 | 3,633,000 | 4,860,000 |
| Noninterest income | 510,000 | 965,000 | 1,406,000 | 1,796,000 |
| Noninterest expense | 1,217,000 | 2,376,000 | 3,561,000 | 4,718,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 522,000 | 981,000 | 1,433,000 | 1,878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 522,000 | 981,000 | 1,433,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,603,000 | 15,884,000 | 16,165,000 | 16,609,000 |
| Total capital | 16,182,000 | 16,474,000 | 16,764,000 | 17,222,000 |
| Risk-weighted assets | 87,657,000 | 76,707,000 | 82,839,000 | 84,228,000 |