Call reports 2008
TEXAS BANK FINANCIAL — 2008
What TEXAS BANK FINANCIAL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 95,752,000 | 94,690,000 | 81,638,000 | 77,091,000 |
| Total loans | 58,626,000 | 59,394,000 | 57,938,000 | 51,903,000 |
| Allowance for loan losses | 425,000 | 470,000 | 1,228,000 | 1,233,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 11,966,000 | 5,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,690,000 | 78,479,000 | 75,974,000 | 71,943,000 |
| Interest-bearing deposits | 69,083,000 | 68,078,000 | 63,830,000 | 62,705,000 |
| Noninterest-bearing deposits | 10,607,000 | 10,401,000 | 12,144,000 | 9,238,000 |
| Equity capital | 15,894,000 | 16,043,000 | 5,504,000 | 5,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,641,000 | 0 | 671,000 |
| Interest expense | 730,000 | 1,348,000 | 0 | 488,000 |
| Net interest income | 588,000 | 1,293,000 | 0 | 183,000 |
| Noninterest income | 74,000 | 158,000 | 0 | 86,000 |
| Noninterest expense | 606,000 | 1,188,000 | 0 | 492,000 |
| Provision for loan losses | 30,000 | 90,000 | 0 | 295,000 |
| Pretax income | 26,000 | 173,000 | 0 | -518,000 |
| Income tax | 0 | -1,000 | 0 | 0 |
| Net income | 26,000 | 174,000 | 0 | -518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,748,000 | 7,065,000 | 5,504,000 | 5,014,000 |
| Total capital | 7,173,000 | 7,535,000 | 6,275,000 | 5,679,000 |
| Risk-weighted assets | 64,461,000 | 64,734,000 | 61,593,000 | 52,611,000 |