Call reports 2004
TEXAS FIRST BANK — 2004
What TEXAS FIRST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 202,170,000 | 199,012,000 | 203,748,000 | 204,346,000 |
| Total loans | 84,237,000 | 86,274,000 | 87,405,000 | 85,619,000 |
| Allowance for loan losses | 1,300,000 | 1,574,000 | 1,636,000 | 1,584,000 |
| Securities available for sale | 36,698,000 | 43,409,000 | 45,970,000 | 43,425,000 |
| Securities held to maturity | 46,408,000 | 53,441,000 | 47,409,000 | 47,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,912,000 | 176,423,000 | 179,690,000 | 180,958,000 |
| Interest-bearing deposits | 142,838,000 | 139,662,000 | 142,298,000 | 140,947,000 |
| Noninterest-bearing deposits | 36,074,000 | 36,761,000 | 37,392,000 | 40,011,000 |
| Equity capital | 22,150,000 | 21,755,000 | 22,850,000 | 21,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,604,000 | 5,303,000 | 7,967,000 | 10,901,000 |
| Interest expense | 679,000 | 1,330,000 | 1,973,000 | 2,619,000 |
| Net interest income | 1,925,000 | 3,973,000 | 5,994,000 | 8,282,000 |
| Noninterest income | 579,000 | 1,142,000 | 1,710,000 | 2,291,000 |
| Noninterest expense | 1,481,000 | 2,934,000 | 4,425,000 | 6,261,000 |
| Provision for loan losses | 383,000 | 720,000 | 993,000 | 1,181,000 |
| Pretax income | 640,000 | 1,461,000 | 2,286,000 | 3,131,000 |
| Income tax | 219,000 | 496,000 | 778,000 | 1,062,000 |
| Net income | 421,000 | 965,000 | 1,508,000 | 2,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,882,000 | 22,326,000 | 22,869,000 | 22,060,000 |
| Total capital | 23,182,000 | 23,724,000 | 24,280,000 | 23,457,000 |
| Risk-weighted assets | 106,936,000 | 111,652,000 | 112,686,000 | 111,518,000 |