Call reports 2006
TEXAS FIRST BANK — 2006
What TEXAS FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 207,293,000 | 197,336,000 | 201,823,000 | 208,713,000 |
| Total loans | 86,773,000 | 93,142,000 | 90,414,000 | 90,421,000 |
| Allowance for loan losses | 1,714,000 | 1,739,000 | 1,849,000 | 1,864,000 |
| Securities available for sale | 46,626,000 | 43,190,000 | 40,629,000 | 40,107,000 |
| Securities held to maturity | 47,738,000 | 45,816,000 | 42,920,000 | 49,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,084,000 | 175,132,000 | 181,111,000 | 189,482,000 |
| Interest-bearing deposits | 134,913,000 | 129,687,000 | 135,216,000 | 135,139,000 |
| Noninterest-bearing deposits | 53,171,000 | 45,445,000 | 45,895,000 | 54,343,000 |
| Equity capital | 18,052,000 | 18,586,000 | 16,986,000 | 17,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,849,000 | 5,800,000 | 8,883,000 | 12,191,000 |
| Interest expense | 829,000 | 1,685,000 | 2,590,000 | 3,553,000 |
| Net interest income | 2,020,000 | 4,115,000 | 6,293,000 | 8,638,000 |
| Noninterest income | 597,000 | 1,191,000 | 1,744,000 | 2,401,000 |
| Noninterest expense | 1,766,000 | 3,541,000 | 5,314,000 | 7,482,000 |
| Provision for loan losses | 99,000 | 136,000 | 177,000 | 237,000 |
| Pretax income | 752,000 | 1,629,000 | 2,546,000 | 3,320,000 |
| Income tax | 255,000 | 555,000 | 857,000 | 1,133,000 |
| Net income | 497,000 | 1,074,000 | 1,689,000 | 2,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,640,000 | 19,300,000 | 17,415,000 | 17,913,000 |
| Total capital | 20,086,000 | 20,792,000 | 18,893,000 | 19,391,000 |
| Risk-weighted assets | 115,427,000 | 119,115,000 | 117,877,000 | 117,912,000 |