Call reports 2009
TEXAS HERITAGE BANK — 2009
What TEXAS HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 83,199,000 | 86,238,000 | 90,193,000 | 88,307,000 |
| Total loans | 57,736,000 | 60,157,000 | 59,671,000 | 60,196,000 |
| Allowance for loan losses | 776,000 | 799,000 | 791,000 | 798,000 |
| Securities available for sale | 12,893,000 | 11,631,000 | 10,559,000 | 10,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,121,000 | 73,293,000 | 77,064,000 | 75,371,000 |
| Interest-bearing deposits | 48,395,000 | 52,024,000 | 52,583,000 | 52,643,000 |
| Noninterest-bearing deposits | 21,726,000 | 21,269,000 | 24,481,000 | 22,728,000 |
| Equity capital | 6,856,000 | 6,847,000 | 6,988,000 | 7,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,266,000 | 3,417,000 | 4,592,000 |
| Interest expense | 245,000 | 490,000 | 735,000 | 967,000 |
| Net interest income | 861,000 | 1,776,000 | 2,682,000 | 3,625,000 |
| Noninterest income | 208,000 | 416,000 | 618,000 | 846,000 |
| Noninterest expense | 808,000 | 1,708,000 | 2,581,000 | 3,428,000 |
| Provision for loan losses | 20,000 | 52,000 | 100,000 | 140,000 |
| Pretax income | 241,000 | 432,000 | 619,000 | 903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 432,000 | 619,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,495,000 | 6,502,000 | 6,542,000 | 6,777,000 |
| Total capital | 7,338,000 | 7,365,000 | 7,421,000 | 7,664,000 |
| Risk-weighted assets | 56,765,000 | 58,954,000 | 59,489,000 | 60,151,000 |