Call reports 2020
TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK — 2020
What TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 107,833,000 | 115,355,000 | 112,782,000 | 117,360,000 |
| Total loans | 40,642,000 | 42,037,000 | 42,041,000 | 41,415,000 |
| Allowance for loan losses | 711,000 | 626,000 | 626,000 | 766,000 |
| Securities available for sale | 13,996,000 | 16,977,000 | 11,009,000 | 5,013,000 |
| Securities held to maturity | 32,271,000 | 19,519,000 | 31,984,000 | 28,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,876,000 | 104,118,000 | 101,291,000 | 105,753,000 |
| Interest-bearing deposits | 63,384,000 | 68,613,000 | 66,904,000 | 70,240,000 |
| Noninterest-bearing deposits | 32,492,000 | 35,506,000 | 34,387,000 | 35,513,000 |
| Equity capital | 11,689,000 | 10,938,000 | 11,131,000 | 11,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,794,000 | 2,527,000 | 3,214,000 |
| Interest expense | 33,000 | 64,000 | 89,000 | 107,000 |
| Net interest income | 863,000 | 1,730,000 | 2,438,000 | 3,107,000 |
| Noninterest income | 367,000 | 624,000 | 861,000 | 1,160,000 |
| Noninterest expense | 766,000 | 1,455,000 | 2,167,000 | 2,840,000 |
| Provision for loan losses | 0 | 55,000 | 55,000 | 55,000 |
| Pretax income | 464,000 | 844,000 | 1,077,000 | 1,372,000 |
| Income tax | 94,000 | 173,000 | 219,000 | 278,000 |
| Net income | 370,000 | 671,000 | 858,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,708,000 | 11,009,000 | 11,195,000 | 11,431,000 |
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