Call reports 2005
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2005
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 60,705,000 | 55,907,000 | 53,595,000 | 56,029,000 |
| Total loans | 20,390,000 | 18,743,000 | 17,464,000 | 16,921,000 |
| Allowance for loan losses | 306,000 | 306,000 | 304,000 | 446,000 |
| Securities available for sale | 30,608,000 | 26,171,000 | 28,214,000 | 27,830,000 |
| Securities held to maturity | 123,000 | 110,000 | 101,000 | 88,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,480,000 | 50,662,000 | 48,180,000 | 50,849,000 |
| Interest-bearing deposits | 44,147,000 | 39,728,000 | 37,482,000 | 38,659,000 |
| Noninterest-bearing deposits | 11,333,000 | 10,934,000 | 10,698,000 | 12,190,000 |
| Equity capital | 4,257,000 | 4,383,000 | 4,503,000 | 4,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 668,000 | 1,329,000 | 1,956,000 | 2,573,000 |
| Interest expense | 122,000 | 273,000 | 429,000 | 586,000 |
| Net interest income | 546,000 | 1,056,000 | 1,527,000 | 1,987,000 |
| Noninterest income | 183,000 | 338,000 | 488,000 | 644,000 |
| Noninterest expense | 441,000 | 859,000 | 1,255,000 | 1,713,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 168,000 |
| Pretax income | 283,000 | 526,000 | 746,000 | 750,000 |
| Income tax | 96,000 | 179,000 | 254,000 | 252,000 |
| Net income | 187,000 | 347,000 | 492,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,389,000 | 4,549,000 | 4,694,000 | 4,700,000 |
| Total capital | 4,695,000 | 4,855,000 | 4,998,000 | 5,020,000 |
| Risk-weighted assets | 28,321,000 | 26,055,000 | 25,043,000 | 24,687,000 |