Call reports 2004
TEXAS HERITAGE BANK — 2004
What TEXAS HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 50,145,000 | 49,415,000 | 49,045,000 | 48,589,000 |
| Total loans | 27,672,000 | 29,748,000 | 29,509,000 | 29,062,000 |
| Allowance for loan losses | 378,000 | 403,000 | 398,000 | 385,000 |
| Securities available for sale | 14,079,000 | 15,790,000 | 14,234,000 | 15,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,629,000 | 44,965,000 | 44,200,000 | 43,915,000 |
| Interest-bearing deposits | 32,258,000 | 32,463,000 | 30,160,000 | 28,566,000 |
| Noninterest-bearing deposits | 13,371,000 | 12,502,000 | 14,040,000 | 15,349,000 |
| Equity capital | 3,254,000 | 3,125,000 | 3,490,000 | 3,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,291,000 | 1,976,000 | 2,652,000 |
| Interest expense | 117,000 | 239,000 | 353,000 | 473,000 |
| Net interest income | 512,000 | 1,052,000 | 1,623,000 | 2,179,000 |
| Noninterest income | 111,000 | 224,000 | 325,000 | 445,000 |
| Noninterest expense | 399,000 | 821,000 | 1,291,000 | 1,757,000 |
| Provision for loan losses | 10,000 | 35,000 | 42,000 | 88,000 |
| Pretax income | 208,000 | 420,000 | 601,000 | 765,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 208,000 | 420,000 | 601,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,939,000 | 3,151,000 | 3,333,000 | 3,247,000 |
| Total capital | 4,118,000 | 4,738,000 | 4,921,000 | 4,839,000 |
| Risk-weighted assets | 28,266,000 | 30,000,000 | 29,085,000 | 29,456,000 |