Call reports 2002
TEXAS HERITAGE BANK — 2002
What TEXAS HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 34,660,000 | 36,042,000 | 35,889,000 | 38,912,000 |
| Total loans | 17,000,000 | 17,652,000 | 18,449,000 | 19,044,000 |
| Allowance for loan losses | 218,000 | 230,000 | 243,000 | 252,000 |
| Securities available for sale | 12,213,000 | 12,597,000 | 12,536,000 | 14,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,937,000 | 33,071,000 | 32,713,000 | 35,497,000 |
| Interest-bearing deposits | 25,810,000 | 25,720,000 | 25,943,000 | 28,073,000 |
| Noninterest-bearing deposits | 6,127,000 | 7,351,000 | 6,770,000 | 7,424,000 |
| Equity capital | 2,643,000 | 2,882,000 | 3,079,000 | 3,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,030,000 | 1,563,000 | 2,102,000 |
| Interest expense | 163,000 | 319,000 | 468,000 | 622,000 |
| Net interest income | 336,000 | 711,000 | 1,095,000 | 1,480,000 |
| Noninterest income | 85,000 | 176,000 | 269,000 | 390,000 |
| Noninterest expense | 298,000 | 588,000 | 898,000 | 1,249,000 |
| Provision for loan losses | 28,000 | 42,000 | 62,000 | 94,000 |
| Pretax income | 95,000 | 257,000 | 404,000 | 527,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 95,000 | 257,000 | 404,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,368,000 | 2,531,000 | 2,676,000 | 2,800,000 |
| Total capital | 2,586,000 | 2,761,000 | 2,918,000 | 3,052,000 |
| Risk-weighted assets | 18,171,000 | 18,605,000 | 19,397,000 | 21,090,000 |