Call reports 2005
TEXAS HERITAGE BANK — 2005
What TEXAS HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,832,000 | 52,403,000 | 53,303,000 | 56,226,000 |
| Total loans | 29,418,000 | 33,158,000 | 33,232,000 | 34,989,000 |
| Allowance for loan losses | 388,000 | 429,000 | 445,000 | 461,000 |
| Securities available for sale | 14,867,000 | 14,401,000 | 13,584,000 | 12,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,124,000 | 45,350,000 | 46,099,000 | 47,644,000 |
| Interest-bearing deposits | 30,623,000 | 30,585,000 | 30,417,000 | 32,039,000 |
| Noninterest-bearing deposits | 13,501,000 | 14,765,000 | 15,682,000 | 15,605,000 |
| Equity capital | 3,332,000 | 3,616,000 | 3,629,000 | 3,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,402,000 | 2,144,000 | 2,959,000 |
| Interest expense | 125,000 | 265,000 | 444,000 | 655,000 |
| Net interest income | 568,000 | 1,137,000 | 1,700,000 | 2,304,000 |
| Noninterest income | 161,000 | 307,000 | 455,000 | 598,000 |
| Noninterest expense | 518,000 | 1,048,000 | 1,642,000 | 2,206,000 |
| Provision for loan losses | 5,000 | 63,000 | 93,000 | 227,000 |
| Pretax income | 198,000 | 333,000 | 420,000 | 469,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 198,000 | 333,000 | 420,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,444,000 | 3,579,000 | 3,666,000 | 3,541,000 |
| Total capital | 5,055,000 | 5,257,000 | 5,346,000 | 5,274,000 |
| Risk-weighted assets | 29,986,000 | 33,802,000 | 33,410,000 | 36,586,000 |