Call reports 2008
TEXAS HERITAGE BANK — 2008
What TEXAS HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 75,094,000 | 77,067,000 | 77,211,000 | 81,283,000 |
| Total loans | 52,665,000 | 53,357,000 | 56,411,000 | 58,186,000 |
| Allowance for loan losses | 691,000 | 710,000 | 734,000 | 763,000 |
| Securities available for sale | 12,376,000 | 17,120,000 | 15,925,000 | 16,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,153,000 | 65,389,000 | 65,339,000 | 68,059,000 |
| Interest-bearing deposits | 42,736,000 | 43,169,000 | 43,760,000 | 45,198,000 |
| Noninterest-bearing deposits | 21,417,000 | 22,220,000 | 21,579,000 | 22,861,000 |
| Equity capital | 5,950,000 | 5,242,000 | 6,361,000 | 6,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,196,000 | 2,365,000 | 3,531,000 | 4,688,000 |
| Interest expense | 376,000 | 742,000 | 1,038,000 | 1,317,000 |
| Net interest income | 820,000 | 1,623,000 | 2,493,000 | 3,371,000 |
| Noninterest income | 158,000 | 320,000 | 566,000 | 751,000 |
| Noninterest expense | 721,000 | 1,473,000 | 2,303,000 | 3,108,000 |
| Provision for loan losses | 41,000 | 57,000 | 104,000 | 130,000 |
| Pretax income | 216,000 | 413,000 | 652,000 | 884,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 216,000 | 413,000 | 852,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,657,000 | 5,184,000 | 6,320,000 | 6,500,000 |
| Total capital | 7,339,000 | 6,903,000 | 7,099,000 | 7,336,000 |
| Risk-weighted assets | 50,990,000 | 53,819,000 | 52,216,000 | 56,843,000 |