Call reports 2003
SOUTHERN NATIONAL BANK OF TEXAS — 2003
What SOUTHERN NATIONAL BANK OF TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 653,373,000 | 749,302,000 | 823,362,000 | 885,413,000 |
| Total loans | 357,749,000 | 387,648,000 | 406,751,000 | 424,465,000 |
| Allowance for loan losses | 4,273,000 | 4,650,000 | 5,329,000 | 5,650,000 |
| Securities available for sale | 238,604,000 | 301,135,000 | 360,285,000 | 403,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,083,000 | 601,515,000 | 684,519,000 | 734,208,000 |
| Interest-bearing deposits | 418,534,000 | 487,940,000 | 578,311,000 | 632,222,000 |
| Noninterest-bearing deposits | 102,549,000 | 113,575,000 | 106,208,000 | 101,986,000 |
| Equity capital | 60,742,000 | 61,343,000 | 60,634,000 | 70,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,415,000 | 15,254,000 | 23,831,000 | 33,191,000 |
| Interest expense | 2,230,000 | 4,610,000 | 7,330,000 | 10,451,000 |
| Net interest income | 5,185,000 | 10,644,000 | 16,501,000 | 22,740,000 |
| Noninterest income | 400,000 | 741,000 | 1,096,000 | 1,429,000 |
| Noninterest expense | 3,656,000 | 7,309,000 | 11,050,000 | 15,062,000 |
| Provision for loan losses | 715,000 | 1,441,000 | 2,101,000 | 2,821,000 |
| Pretax income | 1,573,000 | 3,515,000 | 5,326,000 | 7,166,000 |
| Income tax | 535,000 | 1,195,000 | 1,811,000 | 2,436,000 |
| Net income | 1,038,000 | 2,320,000 | 3,515,000 | 4,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,628,000 | 60,610,000 | 61,655,000 | 72,677,000 |
| Total capital | 63,901,000 | 65,274,000 | 66,984,000 | 78,327,000 |
| Risk-weighted assets | 383,692,000 | 436,985,000 | 462,966,000 | 491,783,000 |
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