Call reports 2016
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2016
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 98,749,000 | 95,011,000 | 100,800,000 | 99,921,000 |
| Total loans | 33,999,000 | 36,022,000 | 39,171,000 | 38,937,000 |
| Allowance for loan losses | 563,000 | 581,000 | 604,000 | 624,000 |
| Securities available for sale | 19,943,000 | 16,225,000 | 13,183,000 | 15,763,000 |
| Securities held to maturity | 22,230,000 | 21,381,000 | 20,368,000 | 19,254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,656,000 | 84,584,000 | 90,055,000 | 89,256,000 |
| Interest-bearing deposits | 59,916,000 | 59,420,000 | 66,197,000 | 63,838,000 |
| Noninterest-bearing deposits | 28,740,000 | 25,164,000 | 23,858,000 | 25,418,000 |
| Equity capital | 9,880,000 | 10,125,000 | 10,348,000 | 10,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 699,000 | 1,410,000 | 2,151,000 | 2,931,000 |
| Interest expense | 7,000 | 14,000 | 21,000 | 28,000 |
| Net interest income | 692,000 | 1,396,000 | 2,130,000 | 2,903,000 |
| Noninterest income | 263,000 | 514,000 | 772,000 | 1,051,000 |
| Noninterest expense | 706,000 | 1,350,000 | 2,026,000 | 2,755,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 88,000 |
| Pretax income | 226,000 | 515,000 | 808,000 | 1,111,000 |
| Income tax | 55,000 | 132,000 | 214,000 | 291,000 |
| Net income | 171,000 | 383,000 | 594,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,032,000 | 10,244,000 | 10,455,000 | 10,681,000 |
| Total capital | 10,595,000 | 10,825,000 | 11,059,000 | 11,305,000 |
| Risk-weighted assets | 47,667,000 | 48,542,000 | 52,197,000 | 52,580,000 |