Call reports 2004
LUBBOCK NATIONAL BANK — 2004
What LUBBOCK NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 394,119,000 | 404,865,000 | 403,709,000 | 410,412,000 |
| Total loans | 233,227,000 | 250,422,000 | 255,902,000 | 270,117,000 |
| Allowance for loan losses | 2,790,000 | 2,711,000 | 2,560,000 | 2,838,000 |
| Securities available for sale | 115,127,000 | 114,555,000 | 109,047,000 | 105,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,423,000 | 371,129,000 | 363,629,000 | 360,711,000 |
| Interest-bearing deposits | 301,653,000 | 305,383,000 | 301,616,000 | 297,855,000 |
| Noninterest-bearing deposits | 56,770,000 | 65,746,000 | 62,013,000 | 62,856,000 |
| Equity capital | 30,307,000 | 28,503,000 | 31,410,000 | 32,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,022,000 | 10,165,000 | 15,492,000 | 21,184,000 |
| Interest expense | 1,360,000 | 2,779,000 | 4,222,000 | 5,645,000 |
| Net interest income | 3,662,000 | 7,386,000 | 11,270,000 | 15,539,000 |
| Noninterest income | 935,000 | 1,842,000 | 2,756,000 | 3,726,000 |
| Noninterest expense | 3,339,000 | 6,333,000 | 9,396,000 | 12,426,000 |
| Provision for loan losses | 210,000 | 420,000 | 711,000 | 921,000 |
| Pretax income | 1,048,000 | 2,475,000 | 3,912,000 | 5,911,000 |
| Income tax | 271,000 | 658,000 | 1,038,000 | 1,609,000 |
| Net income | 777,000 | 1,817,000 | 2,874,000 | 4,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,378,000 | 30,155,000 | 31,034,000 | 32,461,000 |
| Total capital | 32,168,000 | 32,866,000 | 33,594,000 | 35,299,000 |
| Risk-weighted assets | 258,413,000 | 276,797,000 | 278,809,000 | 295,562,000 |
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