Call reports 2002
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2002
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,588,000 | 35,161,000 | 32,381,000 | 31,308,000 |
| Total loans | 13,518,000 | 13,717,000 | 12,868,000 | 12,563,000 |
| Allowance for loan losses | 189,000 | 192,000 | 187,000 | 188,000 |
| Securities available for sale | 17,601,000 | 16,544,000 | 12,365,000 | 10,485,000 |
| Securities held to maturity | 918,000 | 820,000 | 754,000 | 453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,775,000 | 32,097,000 | 29,121,000 | 28,048,000 |
| Interest-bearing deposits | 30,925,000 | 28,581,000 | 23,410,000 | 22,775,000 |
| Noninterest-bearing deposits | 3,850,000 | 3,516,000 | 5,711,000 | 5,273,000 |
| Equity capital | 2,523,000 | 2,750,000 | 2,889,000 | 2,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,038,000 | 1,515,000 | 1,950,000 |
| Interest expense | 135,000 | 250,000 | 340,000 | 412,000 |
| Net interest income | 383,000 | 788,000 | 1,175,000 | 1,538,000 |
| Noninterest income | 76,000 | 170,000 | 262,000 | 367,000 |
| Noninterest expense | 322,000 | 575,000 | 850,000 | 1,160,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 134,000 | 377,000 | 578,000 | 733,000 |
| Income tax | 18,000 | 128,000 | 197,000 | 244,000 |
| Net income | 116,000 | 249,000 | 381,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,462,000 | 2,596,000 | 2,729,000 | 2,838,000 |
| Total capital | 2,651,000 | 2,788,000 | 2,916,000 | 3,026,000 |
| Risk-weighted assets | 17,645,000 | 17,871,000 | 17,098,000 | 16,272,000 |