Call reports 2008
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2008
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,493,000 | 62,372,000 | 59,689,000 | 61,654,000 |
| Total loans | 11,760,000 | 13,191,000 | 12,880,000 | 13,248,000 |
| Allowance for loan losses | 141,000 | 437,000 | 439,000 | 230,000 |
| Securities available for sale | 39,089,000 | 40,706,000 | 41,667,000 | 41,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,705,000 | 55,887,000 | 52,325,000 | 53,664,000 |
| Interest-bearing deposits | 41,339,000 | 40,360,000 | 40,418,000 | 39,887,000 |
| Noninterest-bearing deposits | 15,366,000 | 15,527,000 | 11,907,000 | 13,777,000 |
| Equity capital | 6,362,000 | 5,500,000 | 6,110,000 | 6,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,623,000 | 2,415,000 | 3,204,000 |
| Interest expense | 189,000 | 348,000 | 486,000 | 597,000 |
| Net interest income | 629,000 | 1,275,000 | 1,929,000 | 2,607,000 |
| Noninterest income | 187,000 | 524,000 | 785,000 | 1,074,000 |
| Noninterest expense | 512,000 | 1,183,000 | 1,743,000 | 2,488,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | -170,000 |
| Pretax income | 294,000 | 606,000 | 961,000 | 1,360,000 |
| Income tax | 100,000 | 206,000 | 327,000 | 452,000 |
| Net income | 194,000 | 400,000 | 634,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,512,000 | 5,318,000 | 5,552,000 | 5,826,000 |
| Total capital | 5,653,000 | 5,619,000 | 5,852,000 | 6,056,000 |
| Risk-weighted assets | 23,664,000 | 23,965,000 | 23,074,000 | 22,749,000 |