Call reports 2007
TEXAS HERITAGE BANK — 2007
What TEXAS HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 69,441,000 | 79,868,000 | 68,759,000 | 69,892,000 |
| Total loans | 41,152,000 | 45,839,000 | 46,787,000 | 48,774,000 |
| Allowance for loan losses | 538,000 | 584,000 | 614,000 | 650,000 |
| Securities available for sale | 14,347,000 | 12,894,000 | 12,619,000 | 12,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,960,000 | 69,548,000 | 60,138,000 | 61,174,000 |
| Interest-bearing deposits | 39,646,000 | 40,568,000 | 39,568,000 | 39,949,000 |
| Noninterest-bearing deposits | 22,314,000 | 28,980,000 | 20,570,000 | 21,225,000 |
| Equity capital | 4,872,000 | 5,265,000 | 5,539,000 | 5,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,260,000 | 3,468,000 | 4,661,000 |
| Interest expense | 304,000 | 663,000 | 1,044,000 | 1,432,000 |
| Net interest income | 774,000 | 1,597,000 | 2,424,000 | 3,229,000 |
| Noninterest income | 149,000 | 317,000 | 478,000 | 632,000 |
| Noninterest expense | 655,000 | 1,341,000 | 2,023,000 | 2,742,000 |
| Provision for loan losses | 6,000 | 72,000 | 118,000 | 154,000 |
| Pretax income | 262,000 | 473,000 | 733,000 | 937,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 473,000 | 733,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,899,000 | 5,326,000 | 5,483,000 | 5,496,000 |
| Total capital | 6,047,000 | 6,905,000 | 7,071,000 | 6,619,000 |
| Risk-weighted assets | 45,384,000 | 50,050,000 | 45,891,000 | 45,197,000 |