Call reports 2004
TEXAS BANK FINANCIAL — 2004
What TEXAS BANK FINANCIAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,558,000 | 37,513,000 | 37,452,000 | 38,874,000 |
| Total loans | 14,310,000 | 15,442,000 | 17,255,000 | 20,498,000 |
| Allowance for loan losses | 240,000 | 201,000 | 199,000 | 213,000 |
| Securities available for sale | 6,292,000 | 9,613,000 | 9,014,000 | 6,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,335,000 | 32,378,000 | 32,113,000 | 33,573,000 |
| Interest-bearing deposits | 26,110,000 | 28,153,000 | 26,343,000 | 26,576,000 |
| Noninterest-bearing deposits | 4,225,000 | 4,225,000 | 5,770,000 | 6,997,000 |
| Equity capital | 5,178,000 | 5,097,000 | 5,274,000 | 5,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 767,000 | 1,221,000 | 1,700,000 |
| Interest expense | 106,000 | 218,000 | 325,000 | 439,000 |
| Net interest income | 267,000 | 549,000 | 896,000 | 1,261,000 |
| Noninterest income | 49,000 | 102,000 | 152,000 | 200,000 |
| Noninterest expense | 249,000 | 537,000 | 841,000 | 1,143,000 |
| Provision for loan losses | 15,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 52,000 | 89,000 | 167,000 | 263,000 |
| Income tax | 0 | 0 | 0 | 76,000 |
| Net income | 52,000 | 89,000 | 167,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,394,000 | 4,430,000 | 4,508,000 | 4,528,000 |
| Total capital | 4,634,000 | 4,631,000 | 4,707,000 | 4,741,000 |
| Risk-weighted assets | 20,310,000 | 21,628,000 | 23,058,000 | 25,893,000 |