Call reports 2010
I BANK TEXAS, SSB — 2010
What I BANK TEXAS, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 162,995,000 | 165,511,000 | 162,575,000 | 156,870,000 |
| Total loans | 125,855,000 | 125,999,000 | 128,401,000 | 127,509,000 |
| Allowance for loan losses | 1,861,000 | 1,969,000 | 2,114,000 | 2,052,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,948,000 | 117,283,000 | 118,754,000 | 118,398,000 |
| Interest-bearing deposits | 104,443,000 | 110,365,000 | 113,086,000 | 112,464,000 |
| Noninterest-bearing deposits | 5,505,000 | 6,918,000 | 5,669,000 | 5,934,000 |
| Equity capital | 17,627,000 | 17,958,000 | 18,323,000 | 18,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,185,000 | 6,289,000 | 8,421,000 |
| Interest expense | 722,000 | 1,387,000 | 2,000,000 | 2,488,000 |
| Net interest income | 1,349,000 | 2,798,000 | 4,289,000 | 5,933,000 |
| Noninterest income | -10,000 | 27,000 | 61,000 | -16,000 |
| Noninterest expense | 667,000 | 1,410,000 | 2,158,000 | 2,974,000 |
| Provision for loan losses | 192,000 | 432,000 | 657,000 | 782,000 |
| Pretax income | 480,000 | 983,000 | 1,535,000 | 2,161,000 |
| Income tax | 164,000 | 336,000 | 523,000 | 732,000 |
| Net income | 316,000 | 647,000 | 1,012,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,627,000 | 17,958,000 | 18,323,000 | 18,754,000 |
| Total capital | 18,982,000 | 19,314,000 | 19,672,000 | 20,089,000 |
| Risk-weighted assets | 107,102,000 | 107,113,000 | 107,212,000 | 106,149,000 |