Call reports 2003
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2003
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,733,000 | 36,468,000 | 51,119,000 | 49,729,000 |
| Total loans | 12,656,000 | 12,835,000 | 17,836,000 | 19,906,000 |
| Allowance for loan losses | 189,000 | 189,000 | 282,000 | 264,000 |
| Securities available for sale | 16,163,000 | 13,843,000 | 17,710,000 | 16,513,000 |
| Securities held to maturity | 376,000 | 322,000 | 274,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,481,000 | 33,096,000 | 45,482,000 | 45,789,000 |
| Interest-bearing deposits | 30,145,000 | 27,483,000 | 37,538,000 | 37,211,000 |
| Noninterest-bearing deposits | 5,336,000 | 5,613,000 | 7,944,000 | 8,578,000 |
| Equity capital | 2,959,000 | 3,067,000 | 5,265,000 | 3,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 848,000 | 1,239,000 | 1,789,000 |
| Interest expense | 71,000 | 142,000 | 205,000 | 287,000 |
| Net interest income | 355,000 | 706,000 | 1,034,000 | 1,502,000 |
| Noninterest income | 92,000 | 178,000 | 269,000 | 420,000 |
| Noninterest expense | 268,000 | 541,000 | 830,000 | 1,289,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 176,000 | 337,000 | 464,000 | 621,000 |
| Income tax | 60,000 | 115,000 | 158,000 | 210,000 |
| Net income | 116,000 | 222,000 | 306,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,854,000 | 2,961,000 | 5,223,000 | 3,558,000 |
| Total capital | 3,043,000 | 3,150,000 | 5,505,000 | 3,822,000 |
| Risk-weighted assets | 17,921,000 | 17,695,000 | 25,211,000 | 25,739,000 |