Call reports 2003
TEXAS BANK FINANCIAL — 2003
What TEXAS BANK FINANCIAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,299,000 | 43,766,000 | 45,475,000 | 34,604,000 |
| Total loans | 19,210,000 | 20,156,000 | 19,838,000 | 14,673,000 |
| Allowance for loan losses | 274,000 | 267,000 | 314,000 | 277,000 |
| Securities available for sale | 2,992,000 | 3,014,000 | 4,012,000 | 4,760,000 |
| Securities held to maturity | 1,200,000 | 700,000 | 500,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,042,000 | 39,431,000 | 40,861,000 | 29,222,000 |
| Interest-bearing deposits | 29,845,000 | 31,714,000 | 32,700,000 | 24,060,000 |
| Noninterest-bearing deposits | 7,197,000 | 7,717,000 | 8,161,000 | 5,162,000 |
| Equity capital | 4,215,000 | 4,303,000 | 4,527,000 | 5,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 958,000 | 1,422,000 | 1,835,000 |
| Interest expense | 144,000 | 287,000 | 428,000 | 557,000 |
| Net interest income | 315,000 | 671,000 | 994,000 | 1,278,000 |
| Noninterest income | 88,000 | 186,000 | 305,000 | 1,363,000 |
| Noninterest expense | 327,000 | 694,000 | 1,036,000 | 1,595,000 |
| Provision for loan losses | 245,000 | 245,000 | 120,000 | 120,000 |
| Pretax income | -169,000 | -82,000 | 143,000 | 924,000 |
| Income tax | 0 | 0 | 0 | 201,000 |
| Net income | -169,000 | -82,000 | 143,000 | 723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,419,000 | 3,506,000 | 3,732,000 | 4,342,000 |
| Total capital | 3,693,000 | 3,773,000 | 4,046,000 | 4,596,000 |
| Risk-weighted assets | 24,391,000 | 25,535,000 | 26,702,000 | 20,374,000 |