Call reports 2005
TEXAS STATE BANK — 2005
What TEXAS STATE 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 | 147,676,000 | 140,065,000 | 137,991,000 | 144,616,000 |
| Total loans | 68,191,000 | 66,872,000 | 68,392,000 | 69,161,000 |
| Allowance for loan losses | 631,000 | 647,000 | 669,000 | 689,000 |
| Securities available for sale | 55,378,000 | 49,931,000 | 48,473,000 | 50,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,346,000 | 122,519,000 | 120,161,000 | 125,757,000 |
| Interest-bearing deposits | 101,758,000 | 91,919,000 | 91,266,000 | 94,316,000 |
| Noninterest-bearing deposits | 28,588,000 | 30,600,000 | 28,895,000 | 31,441,000 |
| Equity capital | 16,393,000 | 16,590,000 | 16,866,000 | 16,824,000 |
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 | 1,544,000 | 3,219,000 | 4,823,000 | 6,505,000 |
| Interest expense | 348,000 | 691,000 | 1,028,000 | 1,401,000 |
| Net interest income | 1,196,000 | 2,528,000 | 3,795,000 | 5,104,000 |
| Noninterest income | 419,000 | 898,000 | 1,363,000 | 1,812,000 |
| Noninterest expense | 1,186,000 | 2,394,000 | 3,580,000 | 4,744,000 |
| Provision for loan losses | 15,000 | 32,000 | 55,000 | 76,000 |
| Pretax income | 414,000 | 1,000,000 | 1,523,000 | 2,066,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 414,000 | 1,000,000 | 1,523,000 | 2,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,812,000 | 17,060,000 | 17,404,000 | 17,538,000 |
| Total capital | 17,443,000 | 17,707,000 | 18,073,000 | 18,227,000 |
| Risk-weighted assets | 82,814,000 | 80,050,000 | 80,419,000 | 84,692,000 |