Call reports 2005
LUBBOCK NATIONAL BANK — 2005
What LUBBOCK NATIONAL BANK 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 | 418,601,000 | 420,790,000 | 428,527,000 | 424,723,000 |
| Total loans | 267,939,000 | 267,630,000 | 266,690,000 | 270,178,000 |
| Allowance for loan losses | 2,946,000 | 3,108,000 | 3,094,000 | 3,147,000 |
| Securities available for sale | 109,575,000 | 106,741,000 | 109,468,000 | 109,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,200,000 | 380,243,000 | 385,901,000 | 381,440,000 |
| Interest-bearing deposits | 316,461,000 | 314,297,000 | 313,335,000 | 305,002,000 |
| Noninterest-bearing deposits | 63,739,000 | 65,946,000 | 72,566,000 | 76,438,000 |
| Equity capital | 32,572,000 | 34,325,000 | 35,174,000 | 35,737,000 |
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 | 5,708,000 | 11,770,000 | 17,997,000 | 24,581,000 |
| Interest expense | 1,618,000 | 3,552,000 | 5,666,000 | 7,998,000 |
| Net interest income | 4,090,000 | 8,218,000 | 12,331,000 | 16,583,000 |
| Noninterest income | 890,000 | 1,836,000 | 2,709,000 | 3,424,000 |
| Noninterest expense | 3,484,000 | 6,799,000 | 10,003,000 | 13,324,000 |
| Provision for loan losses | 255,000 | 425,000 | 456,000 | 566,000 |
| Pretax income | 1,241,000 | 2,867,000 | 4,618,000 | 6,162,000 |
| Income tax | 310,000 | 748,000 | 1,228,000 | 1,639,000 |
| Net income | 931,000 | 2,119,000 | 3,390,000 | 4,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,392,000 | 34,580,000 | 35,852,000 | 36,985,000 |
| Total capital | 36,338,000 | 37,688,000 | 38,946,000 | 40,132,000 |
| Risk-weighted assets | 296,272,000 | 295,263,000 | 295,396,000 | 298,378,000 |
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