Call reports 2012
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2012
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 91,097,000 | 90,826,000 | 86,954,000 | 96,030,000 |
| Total loans | 15,120,000 | 15,649,000 | 20,312,000 | 18,396,000 |
| Allowance for loan losses | 301,000 | 306,000 | 310,000 | 315,000 |
| Securities available for sale | 40,909,000 | 36,495,000 | 35,244,000 | 35,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,260,000 | 81,818,000 | 77,639,000 | 86,798,000 |
| Interest-bearing deposits | 61,873,000 | 62,136,000 | 58,097,000 | 60,195,000 |
| Noninterest-bearing deposits | 20,387,000 | 19,683,000 | 19,541,000 | 26,602,000 |
| Equity capital | 7,957,000 | 8,115,000 | 8,334,000 | 8,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,061,000 | 1,605,000 | 2,156,000 |
| Interest expense | 25,000 | 47,000 | 68,000 | 86,000 |
| Net interest income | 502,000 | 1,014,000 | 1,537,000 | 2,070,000 |
| Noninterest income | 268,000 | 517,000 | 766,000 | 1,032,000 |
| Noninterest expense | 634,000 | 1,256,000 | 1,893,000 | 2,594,000 |
| Provision for loan losses | 5,000 | 9,000 | 13,000 | 18,000 |
| Pretax income | 131,000 | 266,000 | 397,000 | 490,000 |
| Income tax | 22,000 | 42,000 | 60,000 | 65,000 |
| Net income | 109,000 | 224,000 | 337,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,384,000 | 7,498,000 | 7,611,000 | 7,700,000 |
| Total capital | 7,685,000 | 7,804,000 | 7,921,000 | 8,015,000 |
| Risk-weighted assets | 28,617,000 | 28,578,000 | 33,266,000 | 30,616,000 |