Call reports 2009
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2009
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 76,554,000 | 72,541,000 | 70,196,000 | 69,929,000 |
| Total loans | 11,775,000 | 12,003,000 | 13,634,000 | 15,072,000 |
| Allowance for loan losses | 201,000 | 199,000 | 207,000 | 240,000 |
| Securities available for sale | 46,076,000 | 47,289,000 | 42,772,000 | 37,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,181,000 | 64,357,000 | 57,044,000 | 61,116,000 |
| Interest-bearing deposits | 55,109,000 | 53,268,000 | 46,185,000 | 44,447,000 |
| Noninterest-bearing deposits | 13,072,000 | 11,089,000 | 10,859,000 | 16,668,000 |
| Equity capital | 6,965,000 | 6,938,000 | 7,409,000 | 7,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,530,000 | 2,286,000 | 3,113,000 |
| Interest expense | 96,000 | 209,000 | 304,000 | 378,000 |
| Net interest income | 660,000 | 1,321,000 | 1,982,000 | 2,735,000 |
| Noninterest income | 284,000 | 572,000 | 883,000 | 1,195,000 |
| Noninterest expense | 596,000 | 1,213,000 | 1,888,000 | 2,578,000 |
| Provision for loan losses | 0 | 7,000 | 15,000 | 20,000 |
| Pretax income | 348,000 | 673,000 | 962,000 | 1,332,000 |
| Income tax | 118,000 | 229,000 | 327,000 | 405,000 |
| Net income | 230,000 | 444,000 | 635,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,057,000 | 6,270,000 | 6,461,000 | 6,753,000 |
| Total capital | 6,258,000 | 6,469,000 | 6,668,000 | 6,993,000 |
| Risk-weighted assets | 30,806,000 | 27,089,000 | 27,970,000 | 28,129,000 |