Call reports 2007
TEXAS BANK FINANCIAL — 2007
What TEXAS BANK FINANCIAL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 73,312,000 | 86,098,000 | 93,691,000 | 93,244,000 |
| Total loans | 28,074,000 | 28,738,000 | 36,091,000 | 51,339,000 |
| Allowance for loan losses | 347,000 | 362,000 | 380,000 | 395,000 |
| Securities available for sale | 3,972,000 | 0 | 0 | 0 |
| Securities held to maturity | 7,480,000 | 17,210,000 | 499,000 | 9,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,104,000 | 70,193,000 | 77,676,000 | 77,216,000 |
| Interest-bearing deposits | 56,502,000 | 60,545,000 | 65,084,000 | 66,512,000 |
| Noninterest-bearing deposits | 10,602,000 | 9,648,000 | 12,592,000 | 10,704,000 |
| Equity capital | 6,040,000 | 15,777,000 | 15,833,000 | 15,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 1,159,000 | 2,489,000 | 3,810,000 |
| Interest expense | 600,000 | 669,000 | 1,408,000 | 2,155,000 |
| Net interest income | 452,000 | 490,000 | 1,081,000 | 1,655,000 |
| Noninterest income | 82,000 | 83,000 | 165,000 | 237,000 |
| Noninterest expense | 389,000 | 587,000 | 1,189,000 | 1,798,000 |
| Provision for loan losses | 15,000 | 15,000 | 30,000 | 45,000 |
| Pretax income | 130,000 | -29,000 | 27,000 | 49,000 |
| Income tax | 44,000 | 50,000 | 50,000 | 36,000 |
| Net income | 86,000 | -79,000 | -23,000 | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,301,000 | 6,128,000 | 6,351,000 | 6,555,000 |
| Total capital | 5,648,000 | 6,490,000 | 6,731,000 | 6,950,000 |
| Risk-weighted assets | 38,128,000 | 49,501,000 | 57,079,000 | 68,352,000 |