Call reports 2006
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2006
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,333,000 | 52,103,000 | 51,743,000 | 53,558,000 |
| Total loans | 15,858,000 | 14,288,000 | 14,379,000 | 13,846,000 |
| Allowance for loan losses | 442,000 | 449,000 | 447,000 | 138,000 |
| Securities available for sale | 29,687,000 | 29,316,000 | 25,860,000 | 28,628,000 |
| Securities held to maturity | 81,000 | 75,000 | 70,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,975,000 | 46,660,000 | 45,957,000 | 47,587,000 |
| Interest-bearing deposits | 38,655,000 | 34,919,000 | 34,988,000 | 35,134,000 |
| Noninterest-bearing deposits | 11,320,000 | 11,741,000 | 10,969,000 | 12,453,000 |
| Equity capital | 4,588,000 | 4,650,000 | 4,910,000 | 5,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,327,000 | 1,982,000 | 2,664,000 |
| Interest expense | 194,000 | 387,000 | 594,000 | 809,000 |
| Net interest income | 491,000 | 940,000 | 1,388,000 | 1,855,000 |
| Noninterest income | 154,000 | 351,000 | 511,000 | 677,000 |
| Noninterest expense | 463,000 | 914,000 | 1,393,000 | 1,892,000 |
| Provision for loan losses | 5,000 | 9,000 | 10,000 | 15,000 |
| Pretax income | 177,000 | 368,000 | 496,000 | 625,000 |
| Income tax | 60,000 | 125,000 | 169,000 | 201,000 |
| Net income | 117,000 | 243,000 | 327,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,816,000 | 4,942,000 | 5,026,000 | 5,124,000 |
| Total capital | 5,125,000 | 5,229,000 | 5,309,000 | 5,262,000 |
| Risk-weighted assets | 23,833,000 | 22,018,000 | 21,725,000 | 22,001,000 |