Call reports 2005
TEXAS FIRST BANK — 2005
What TEXAS FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 195,271,000 | 197,873,000 | 200,838,000 | 209,781,000 |
| Total loans | 84,582,000 | 84,510,000 | 84,361,000 | 84,430,000 |
| Allowance for loan losses | 1,674,000 | 1,649,000 | 1,714,000 | 1,641,000 |
| Securities available for sale | 43,639,000 | 43,559,000 | 48,655,000 | 48,060,000 |
| Securities held to maturity | 50,502,000 | 50,530,000 | 47,731,000 | 49,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,170,000 | 174,424,000 | 177,007,000 | 185,975,000 |
| Interest-bearing deposits | 132,934,000 | 131,497,000 | 132,681,000 | 138,189,000 |
| Noninterest-bearing deposits | 39,236,000 | 42,927,000 | 44,326,000 | 47,786,000 |
| Equity capital | 22,010,000 | 22,486,000 | 22,791,000 | 22,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,734,000 | 5,707,000 | 8,555,000 | 11,478,000 |
| Interest expense | 633,000 | 1,289,000 | 2,024,000 | 2,822,000 |
| Net interest income | 2,101,000 | 4,418,000 | 6,531,000 | 8,656,000 |
| Noninterest income | 518,000 | 1,086,000 | 1,613,000 | 2,163,000 |
| Noninterest expense | 1,566,000 | 3,284,000 | 5,071,000 | 7,149,000 |
| Provision for loan losses | 226,000 | 511,000 | 715,000 | 757,000 |
| Pretax income | 827,000 | 1,709,000 | 2,358,000 | 2,908,000 |
| Income tax | 283,000 | 591,000 | 825,000 | 992,000 |
| Net income | 544,000 | 1,118,000 | 1,533,000 | 1,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,481,000 | 22,778,000 | 23,193,000 | 23,226,000 |
| Total capital | 23,854,000 | 24,163,000 | 24,584,000 | 24,630,000 |
| Risk-weighted assets | 109,565,000 | 110,537,000 | 110,974,000 | 113,256,000 |