Call reports 2009
I BANK TEXAS, SSB — 2009
What I BANK TEXAS, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 169,105,000 | 169,140,000 | 169,056,000 | 163,968,000 |
| Total loans | 148,511,000 | 141,726,000 | 135,617,000 | 129,785,000 |
| Allowance for loan losses | 1,701,000 | 1,735,000 | 1,776,000 | 1,840,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,733,000 | 116,763,000 | 116,332,000 | 111,357,000 |
| Interest-bearing deposits | 106,788,000 | 110,306,000 | 110,443,000 | 106,530,000 |
| Noninterest-bearing deposits | 7,945,000 | 6,458,000 | 5,889,000 | 4,827,000 |
| Equity capital | 16,363,000 | 16,800,000 | 17,108,000 | 17,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,436,000 | 4,834,000 | 7,128,000 | 9,313,000 |
| Interest expense | 934,000 | 1,857,000 | 2,735,000 | 3,585,000 |
| Net interest income | 1,502,000 | 2,977,000 | 4,393,000 | 5,728,000 |
| Noninterest income | 42,000 | 66,000 | 118,000 | 44,000 |
| Noninterest expense | 646,000 | 1,331,000 | 1,985,000 | 2,749,000 |
| Provision for loan losses | 165,000 | 315,000 | 657,000 | 880,000 |
| Pretax income | 733,000 | 1,397,000 | 1,869,000 | 2,143,000 |
| Income tax | 250,000 | 476,000 | 640,000 | 727,000 |
| Net income | 483,000 | 921,000 | 1,229,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,363,000 | 16,800,000 | 17,108,000 | 17,311,000 |
| Total capital | 18,045,000 | 18,389,000 | 18,599,000 | 18,712,000 |
| Risk-weighted assets | 133,781,000 | 126,249,000 | 118,223,000 | 110,909,000 |