Call reports 2002
SOUTHERN NATIONAL BANK OF TEXAS — 2002
What SOUTHERN NATIONAL BANK OF TEXAS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 473,240,000 | 534,201,000 | 572,977,000 | 577,734,000 |
| Total loans | 285,847,000 | 307,293,000 | 325,031,000 | 342,502,000 |
| Allowance for loan losses | 3,579,000 | 3,367,000 | 3,694,000 | 4,006,000 |
| Securities available for sale | 122,695,000 | 159,251,000 | 175,115,000 | 173,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,841,000 | 486,011,000 | 522,942,000 | 526,349,000 |
| Interest-bearing deposits | 356,616,000 | 396,244,000 | 397,229,000 | 413,148,000 |
| Noninterest-bearing deposits | 84,225,000 | 89,767,000 | 125,713,000 | 113,201,000 |
| Equity capital | 29,868,000 | 45,899,000 | 47,399,000 | 48,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,975,000 | 14,354,000 | 22,135,000 | 29,766,000 |
| Interest expense | 2,671,000 | 5,489,000 | 8,151,000 | 10,500,000 |
| Net interest income | 4,304,000 | 8,865,000 | 13,984,000 | 19,266,000 |
| Noninterest income | 367,000 | 723,000 | 1,064,000 | 1,439,000 |
| Noninterest expense | 3,029,000 | 6,139,000 | 9,410,000 | 13,035,000 |
| Provision for loan losses | 240,000 | 530,000 | 950,000 | 1,590,000 |
| Pretax income | 1,402,000 | 2,936,000 | 4,709,000 | 6,534,000 |
| Income tax | 477,000 | 998,000 | 1,601,000 | 2,230,000 |
| Net income | 925,000 | 1,938,000 | 3,108,000 | 4,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,579,000 | 45,295,000 | 46,165,000 | 47,061,000 |
| Total capital | 34,158,000 | 48,662,000 | 49,859,000 | 51,067,000 |
| Risk-weighted assets | 296,889,000 | 321,260,000 | 342,731,000 | 359,750,000 |