Call reports 2003
TEXAS FIRST BANK — 2003
What TEXAS FIRST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 187,913,000 | 188,815,000 | 188,660,000 | 188,883,000 |
| Total loans | 81,409,000 | 82,067,000 | 83,488,000 | 82,946,000 |
| Allowance for loan losses | 1,222,000 | 1,287,000 | 1,746,000 | 1,549,000 |
| Securities available for sale | 20,205,000 | 19,582,000 | 32,300,000 | 31,343,000 |
| Securities held to maturity | 63,053,000 | 50,040,000 | 49,083,000 | 52,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,631,000 | 166,281,000 | 166,485,000 | 166,731,000 |
| Interest-bearing deposits | 133,319,000 | 134,145,000 | 133,500,000 | 133,251,000 |
| Noninterest-bearing deposits | 32,312,000 | 32,136,000 | 32,985,000 | 33,480,000 |
| Equity capital | 21,075,000 | 21,423,000 | 21,406,000 | 21,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,722,000 | 5,323,000 | 7,944,000 | 10,473,000 |
| Interest expense | 876,000 | 1,701,000 | 2,445,000 | 3,121,000 |
| Net interest income | 1,846,000 | 3,622,000 | 5,499,000 | 7,352,000 |
| Noninterest income | 602,000 | 1,186,000 | 1,770,000 | 2,415,000 |
| Noninterest expense | 1,322,000 | 2,698,000 | 4,099,000 | 5,829,000 |
| Provision for loan losses | 195,000 | 480,000 | 1,140,000 | 2,080,000 |
| Pretax income | 931,000 | 1,630,000 | 2,030,000 | 1,858,000 |
| Income tax | 316,000 | 751,000 | 690,000 | 628,000 |
| Net income | 615,000 | 879,000 | 1,340,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,687,000 | 21,010,000 | 21,471,000 | 21,361,000 |
| Total capital | 21,909,000 | 22,297,000 | 22,784,000 | 22,662,000 |
| Risk-weighted assets | 101,937,000 | 103,266,000 | 104,574,000 | 103,827,000 |
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