Call reports 2007
I BANK TEXAS, SSB — 2007
What I BANK TEXAS, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,637,000 | 139,565,000 | 150,122,000 | 152,912,000 |
| Total loans | 106,679,000 | 122,144,000 | 132,426,000 | 135,712,000 |
| Allowance for loan losses | 972,000 | 1,081,000 | 1,149,000 | 1,314,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,848,000 | 108,618,000 | 106,065,000 | 105,348,000 |
| Interest-bearing deposits | 97,666,000 | 102,880,000 | 101,347,000 | 100,063,000 |
| Noninterest-bearing deposits | 5,182,000 | 5,738,000 | 4,718,000 | 5,285,000 |
| Equity capital | 12,312,000 | 12,849,000 | 13,498,000 | 14,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,393,000 | 5,205,000 | 8,364,000 | 11,571,000 |
| Interest expense | 1,120,000 | 2,507,000 | 4,064,000 | 5,672,000 |
| Net interest income | 1,273,000 | 2,698,000 | 4,300,000 | 5,899,000 |
| Noninterest income | 56,000 | 98,000 | 152,000 | 264,000 |
| Noninterest expense | 490,000 | 1,037,000 | 1,641,000 | 2,335,000 |
| Provision for loan losses | 133,000 | 242,000 | 310,000 | 475,000 |
| Pretax income | 706,000 | 1,517,000 | 2,501,000 | 3,353,000 |
| Income tax | 246,000 | 520,000 | 854,000 | 1,143,000 |
| Net income | 460,000 | 997,000 | 1,647,000 | 2,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,956,000 | 12,849,000 | 13,498,000 | 14,103,000 |
| Total capital | 12,928,000 | 13,930,000 | 14,647,000 | 15,417,000 |
| Risk-weighted assets | 104,110,000 | 122,699,000 | 130,467,000 | 133,280,000 |