Call reports 2007
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2007
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,147,000 | 56,522,000 | 57,334,000 | 61,859,000 |
| Total loans | 13,529,000 | 13,974,000 | 13,759,000 | 13,675,000 |
| Allowance for loan losses | 136,000 | 137,000 | 131,000 | 127,000 |
| Securities available for sale | 28,954,000 | 33,002,000 | 34,282,000 | 37,786,000 |
| Securities held to maturity | 62,000 | 58,000 | 50,000 | 46,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,767,000 | 50,816,000 | 50,907,000 | 54,984,000 |
| Interest-bearing deposits | 39,683,000 | 39,088,000 | 40,089,000 | 37,790,000 |
| Noninterest-bearing deposits | 12,084,000 | 11,728,000 | 10,818,000 | 17,194,000 |
| Equity capital | 5,279,000 | 4,725,000 | 5,282,000 | 5,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,565,000 | 2,360,000 | 3,168,000 |
| Interest expense | 218,000 | 447,000 | 668,000 | 886,000 |
| Net interest income | 560,000 | 1,118,000 | 1,692,000 | 2,282,000 |
| Noninterest income | 171,000 | 362,000 | 773,000 | 741,000 |
| Noninterest expense | 454,000 | 924,000 | 1,651,000 | 1,965,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 273,000 | 547,000 | 800,000 | 1,040,000 |
| Income tax | 93,000 | 186,000 | 272,000 | 346,000 |
| Net income | 180,000 | 361,000 | 528,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,305,000 | 4,985,000 | 5,152,000 | 5,318,000 |
| Total capital | 5,441,000 | 5,122,000 | 5,283,000 | 5,445,000 |
| Risk-weighted assets | 23,032,000 | 22,944,000 | 22,855,000 | 22,003,000 |