Call reports 2005
SOUTHERN NATIONAL BANK OF TEXAS — 2005
What SOUTHERN NATIONAL BANK OF TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,066,683,000 | 1,108,403,000 | 1,120,056,000 | 1,035,835,000 |
| Total loans | 630,048,000 | 664,899,000 | 658,003,000 | 652,817,000 |
| Allowance for loan losses | 8,738,000 | 9,387,000 | 9,185,000 | 6,965,000 |
| Securities available for sale | 317,381,000 | 281,220,000 | 288,398,000 | 160,917,000 |
| Securities held to maturity | 41,558,000 | 105,055,000 | 103,937,000 | 99,862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 883,761,000 | 821,716,000 | 754,462,000 | 900,336,000 |
| Interest-bearing deposits | 755,962,000 | 687,596,000 | 610,228,000 | 739,240,000 |
| Noninterest-bearing deposits | 127,799,000 | 134,120,000 | 144,234,000 | 161,096,000 |
| Equity capital | 104,209,000 | 109,112,000 | 110,428,000 | 105,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 13,851,000 | 28,449,000 | 44,062,000 | 60,061,000 |
| Interest expense | 5,337,000 | 10,698,000 | 17,167,000 | 24,664,000 |
| Net interest income | 8,514,000 | 17,751,000 | 26,895,000 | 35,397,000 |
| Noninterest income | 409,000 | 825,000 | 1,216,000 | 1,656,000 |
| Noninterest expense | 4,530,000 | 9,094,000 | 13,811,000 | 20,240,000 |
| Provision for loan losses | 600,000 | 1,250,000 | 1,850,000 | 10,351,000 |
| Pretax income | -2,351,000 | 2,216,000 | 6,434,000 | -7,187,000 |
| Income tax | -799,000 | 759,000 | 2,204,000 | -2,444,000 |
| Net income | -1,552,000 | 1,457,000 | 4,230,000 | -4,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,343,000 | 112,374,000 | 115,139,000 | 106,111,000 |
| Total capital | 118,031,000 | 121,566,000 | 124,324,000 | 113,076,000 |
| Risk-weighted assets | 694,994,000 | 735,177,000 | 735,107,000 | 718,428,000 |