Call reports 2007
TEXAS FIRST BANK — 2007
What TEXAS FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 205,226,000 | 204,402,000 | 205,732,000 | 211,928,000 |
| Total loans | 94,752,000 | 95,496,000 | 95,571,000 | 97,767,000 |
| Allowance for loan losses | 1,895,000 | 1,832,000 | 1,845,000 | 1,725,000 |
| Securities available for sale | 39,183,000 | 34,836,000 | 30,180,000 | 24,251,000 |
| Securities held to maturity | 47,974,000 | 47,885,000 | 56,053,000 | 57,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,081,000 | 184,390,000 | 185,121,000 | 191,796,000 |
| Interest-bearing deposits | 136,613,000 | 135,069,000 | 134,412,000 | 135,889,000 |
| Noninterest-bearing deposits | 48,468,000 | 49,321,000 | 50,709,000 | 55,907,000 |
| Equity capital | 18,460,000 | 18,572,000 | 19,143,000 | 18,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,264,000 | 6,678,000 | 10,051,000 | 13,461,000 |
| Interest expense | 988,000 | 1,997,000 | 3,042,000 | 4,089,000 |
| Net interest income | 2,276,000 | 4,681,000 | 7,009,000 | 9,372,000 |
| Noninterest income | 624,000 | 1,259,000 | 1,909,000 | 2,536,000 |
| Noninterest expense | 1,834,000 | 3,731,000 | 5,716,000 | 8,052,000 |
| Provision for loan losses | 50,000 | 90,000 | 123,000 | 140,000 |
| Pretax income | 1,016,000 | 2,119,000 | 3,079,000 | 3,716,000 |
| Income tax | 345,000 | 724,000 | 1,046,000 | 1,264,000 |
| Net income | 671,000 | 1,395,000 | 2,033,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,584,000 | 18,808,000 | 19,145,000 | 18,563,000 |
| Total capital | 20,105,000 | 20,338,000 | 20,674,000 | 20,136,000 |
| Risk-weighted assets | 121,382,000 | 121,997,000 | 122,027,000 | 125,766,000 |