Call reports 2008
I BANK TEXAS, SSB — 2008
What I BANK TEXAS, SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 158,557,000 | 165,230,000 | 164,583,000 | 161,860,000 |
| Total loans | 140,660,000 | 147,031,000 | 146,917,000 | 145,119,000 |
| Allowance for loan losses | 1,415,000 | 1,513,000 | 1,588,000 | 1,653,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,947,000 | 101,245,000 | 103,502,000 | 98,739,000 |
| Interest-bearing deposits | 90,283,000 | 95,854,000 | 99,330,000 | 93,156,000 |
| Noninterest-bearing deposits | 5,664,000 | 5,391,000 | 4,172,000 | 5,583,000 |
| Equity capital | 14,690,000 | 15,384,000 | 15,966,000 | 15,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,987,000 | 5,751,000 | 8,509,000 | 11,096,000 |
| Interest expense | 1,426,000 | 2,577,000 | 3,783,000 | 4,784,000 |
| Net interest income | 1,561,000 | 3,174,000 | 4,726,000 | 6,312,000 |
| Noninterest income | 54,000 | 104,000 | 147,000 | 187,000 |
| Noninterest expense | 623,000 | 1,278,000 | 1,912,000 | 2,558,000 |
| Provision for loan losses | 101,000 | 199,000 | 274,000 | 659,000 |
| Pretax income | 891,000 | 1,801,000 | 2,687,000 | 3,281,000 |
| Income tax | 304,000 | 620,000 | 924,000 | 1,128,000 |
| Net income | 587,000 | 1,181,000 | 1,763,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,690,000 | 15,384,000 | 15,966,000 | 15,889,000 |
| Total capital | 16,105,000 | 16,897,000 | 17,554,000 | 17,542,000 |
| Risk-weighted assets | 136,775,000 | 137,713,000 | 138,797,000 | 133,955,000 |