Call reports 2006
TEXAS BANK FINANCIAL — 2006
What TEXAS BANK FINANCIAL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,311,000 | 59,986,000 | 69,075,000 | 70,272,000 |
| Total loans | 24,841,000 | 29,596,000 | 27,507,000 | 25,962,000 |
| Allowance for loan losses | 292,000 | 300,000 | 316,000 | 331,000 |
| Securities available for sale | 6,615,000 | 6,367,000 | 5,915,000 | 5,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,968,000 | 54,204,000 | 63,095,000 | 64,135,000 |
| Interest-bearing deposits | 39,519,000 | 44,080,000 | 51,262,000 | 52,577,000 |
| Noninterest-bearing deposits | 8,449,000 | 10,124,000 | 11,833,000 | 11,558,000 |
| Equity capital | 5,610,000 | 5,707,000 | 5,843,000 | 5,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,610,000 | 2,566,000 | 3,571,000 |
| Interest expense | 308,000 | 671,000 | 1,162,000 | 1,735,000 |
| Net interest income | 457,000 | 939,000 | 1,404,000 | 1,836,000 |
| Noninterest income | 38,000 | 103,000 | 212,000 | 318,000 |
| Noninterest expense | 342,000 | 730,000 | 1,139,000 | 1,533,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 138,000 | 282,000 | 432,000 | 561,000 |
| Income tax | 47,000 | 95,000 | 141,000 | 196,000 |
| Net income | 91,000 | 187,000 | 291,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,942,000 | 5,038,000 | 5,142,000 | 5,216,000 |
| Total capital | 5,234,000 | 5,338,000 | 5,458,000 | 5,547,000 |
| Risk-weighted assets | 31,808,000 | 36,989,000 | 37,068,000 | 36,687,000 |