Call reports 2005
I BANK TEXAS, SSB — 2005
What I BANK TEXAS, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 15,355,000 | 45,028,000 | 53,602,000 |
| Total loans | 8,986,000 | 35,756,000 | 45,162,000 |
| Allowance for loan losses | 90,000 | 353,000 | 453,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 7,956,000 | 37,769,000 | 45,965,000 |
| Interest-bearing deposits | 7,664,000 | 36,868,000 | 43,616,000 |
| Noninterest-bearing deposits | 292,000 | 900,000 | 2,349,000 |
| Equity capital | 7,372,000 | 7,158,000 | 7,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 276,000 | 821,000 | 1,818,000 |
| Interest expense | 12,000 | 215,000 | 626,000 |
| Net interest income | 264,000 | 606,000 | 1,192,000 |
| Noninterest income | 0 | 30,000 | 60,000 |
| Noninterest expense | 302,000 | 625,000 | 990,000 |
| Provision for loan losses | 90,000 | 353,000 | 453,000 |
| Pretax income | -128,000 | -342,000 | -191,000 |
| Income tax | 0 | 0 | -67,000 |
| Net income | -128,000 | -342,000 | -124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 7,372,000 | 7,158,000 | 7,221,000 |
| Total capital | 7,462,000 | 7,511,000 | 7,674,000 |
| Risk-weighted assets | 9,423,000 | 35,742,000 | 44,536,000 |