Call reports 2006
TEXAS HERITAGE BANK — 2006
What TEXAS HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,572,000 | 63,574,000 | 61,098,000 | 63,052,000 |
| Total loans | 35,499,000 | 37,234,000 | 38,641,000 | 39,649,000 |
| Allowance for loan losses | 470,000 | 490,000 | 507,000 | 530,000 |
| Securities available for sale | 15,245,000 | 11,319,000 | 12,852,000 | 14,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,628,000 | 56,680,000 | 53,888,000 | 55,662,000 |
| Interest-bearing deposits | 33,146,000 | 35,976,000 | 34,683,000 | 35,527,000 |
| Noninterest-bearing deposits | 20,482,000 | 20,704,000 | 19,205,000 | 20,135,000 |
| Equity capital | 3,530,000 | 3,433,000 | 4,450,000 | 4,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,878,000 | 2,908,000 | 3,988,000 |
| Interest expense | 230,000 | 494,000 | 760,000 | 1,063,000 |
| Net interest income | 683,000 | 1,384,000 | 2,148,000 | 2,925,000 |
| Noninterest income | 140,000 | 280,000 | 422,000 | 572,000 |
| Noninterest expense | 657,000 | 1,288,000 | 1,916,000 | 2,552,000 |
| Provision for loan losses | 10,000 | 40,000 | 62,000 | 106,000 |
| Pretax income | 156,000 | 336,000 | 592,000 | 839,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 336,000 | 592,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,696,000 | 3,653,000 | 4,549,000 | 4,795,000 |
| Total capital | 5,456,000 | 5,447,000 | 5,666,000 | 5,935,000 |
| Risk-weighted assets | 38,355,000 | 40,544,000 | 41,120,000 | 42,990,000 |