Call reports 2003
TEXAS HERITAGE BANK — 2003
What TEXAS HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,709,000 | 46,756,000 | 46,980,000 | 46,359,000 |
| Total loans | 20,335,000 | 22,416,000 | 23,987,000 | 27,425,000 |
| Allowance for loan losses | 266,000 | 297,000 | 322,000 | 369,000 |
| Securities available for sale | 14,027,000 | 18,527,000 | 16,537,000 | 14,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,810,000 | 42,534,000 | 42,749,000 | 42,056,000 |
| Interest-bearing deposits | 29,912,000 | 32,123,000 | 30,485,000 | 30,633,000 |
| Noninterest-bearing deposits | 8,898,000 | 10,411,000 | 12,264,000 | 11,423,000 |
| Equity capital | 3,028,000 | 3,261,000 | 3,263,000 | 3,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,183,000 | 1,786,000 | 2,412,000 |
| Interest expense | 142,000 | 306,000 | 452,000 | 576,000 |
| Net interest income | 434,000 | 877,000 | 1,334,000 | 1,836,000 |
| Noninterest income | 107,000 | 224,000 | 337,000 | 442,000 |
| Noninterest expense | 381,000 | 730,000 | 1,092,000 | 1,491,000 |
| Provision for loan losses | 14,000 | 24,000 | 54,000 | 106,000 |
| Pretax income | 146,000 | 347,000 | 525,000 | 657,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | 347,000 | 525,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,545,000 | 2,747,000 | 2,924,000 | 3,057,000 |
| Total capital | 3,586,000 | 3,869,000 | 4,068,000 | 4,223,000 |
| Risk-weighted assets | 23,035,000 | 25,398,000 | 25,478,000 | 27,239,000 |