Call reports 2005
TEXAS BANK FINANCIAL — 2005
What TEXAS BANK FINANCIAL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,773,000 | 42,052,000 | 48,442,000 | 54,078,000 |
| Total loans | 21,238,000 | 20,925,000 | 19,964,000 | 23,092,000 |
| Allowance for loan losses | 227,000 | 244,000 | 259,000 | 273,000 |
| Securities available for sale | 6,624,000 | 6,647,000 | 6,639,000 | 6,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,350,000 | 36,530,000 | 42,774,000 | 48,323,000 |
| Interest-bearing deposits | 29,428,000 | 30,689,000 | 34,731,000 | 39,184,000 |
| Noninterest-bearing deposits | 5,922,000 | 5,841,000 | 8,043,000 | 9,139,000 |
| Equity capital | 5,313,000 | 5,402,000 | 5,476,000 | 5,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,077,000 | 1,696,000 | 2,392,000 |
| Interest expense | 135,000 | 305,000 | 516,000 | 792,000 |
| Net interest income | 392,000 | 772,000 | 1,180,000 | 1,600,000 |
| Noninterest income | 96,000 | 143,000 | 183,000 | 229,000 |
| Noninterest expense | 305,000 | 605,000 | 917,000 | 1,277,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 168,000 | 280,000 | 401,000 | 492,000 |
| Income tax | 57,000 | 95,000 | 136,000 | 169,000 |
| Net income | 111,000 | 185,000 | 265,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,639,000 | 4,713,000 | 4,792,000 | 4,851,000 |
| Total capital | 4,866,000 | 4,957,000 | 5,051,000 | 5,124,000 |
| Risk-weighted assets | 26,102,000 | 26,745,000 | 26,968,000 | 30,521,000 |