Call reports 2004
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2004
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,779,000 | 55,960,000 | 53,676,000 | 53,471,000 |
| Total loans | 20,749,000 | 20,722,000 | 21,223,000 | 21,667,000 |
| Allowance for loan losses | 275,000 | 274,000 | 278,000 | 302,000 |
| Securities available for sale | 22,890,000 | 22,716,000 | 22,968,000 | 24,322,000 |
| Securities held to maturity | 197,000 | 172,000 | 158,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,655,000 | 51,685,000 | 48,442,000 | 48,190,000 |
| Interest-bearing deposits | 43,577,000 | 43,095,000 | 39,866,000 | 38,605,000 |
| Noninterest-bearing deposits | 8,078,000 | 8,590,000 | 8,576,000 | 9,585,000 |
| Equity capital | 3,712,000 | 3,729,000 | 4,104,000 | 4,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,128,000 | 1,740,000 | 2,376,000 |
| Interest expense | 85,000 | 168,000 | 252,000 | 341,000 |
| Net interest income | 480,000 | 960,000 | 1,488,000 | 2,035,000 |
| Noninterest income | 152,000 | 349,000 | 514,000 | 682,000 |
| Noninterest expense | 432,000 | 894,000 | 1,345,000 | 1,790,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 195,000 | 406,000 | 647,000 | 909,000 |
| Income tax | 67,000 | 137,000 | 220,000 | 312,000 |
| Net income | 128,000 | 269,000 | 427,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,686,000 | 3,827,000 | 4,032,000 | 4,202,000 |
| Total capital | 3,961,000 | 4,101,000 | 4,310,000 | 4,504,000 |
| Risk-weighted assets | 27,765,000 | 27,923,000 | 27,701,000 | 28,438,000 |