Call reports 2005
WOODLANDS BANK — 2005
What WOODLANDS 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 | 175,156,000 | 189,821,000 | 197,840,000 | 199,884,000 |
| Total loans | 118,614,000 | 130,454,000 | 137,820,000 | 145,000,000 |
| Allowance for loan losses | 1,397,000 | 1,522,000 | 1,642,000 | 1,727,000 |
| Securities available for sale | 40,730,000 | 38,240,000 | 36,009,000 | 37,141,000 |
| Securities held to maturity | 175,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,412,000 | 145,046,000 | 145,062,000 | 147,828,000 |
| Interest-bearing deposits | 121,533,000 | 107,540,000 | 110,465,000 | 127,531,000 |
| Noninterest-bearing deposits | 16,879,000 | 37,506,000 | 34,597,000 | 20,297,000 |
| Equity capital | 12,808,000 | 17,430,000 | 17,474,000 | 17,427,000 |
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 | 2,217,000 | 4,538,000 | 7,082,000 | 9,850,000 |
| Interest expense | 774,000 | 1,621,000 | 2,560,000 | 3,696,000 |
| Net interest income | 1,443,000 | 2,917,000 | 4,522,000 | 6,154,000 |
| Noninterest income | 455,000 | 994,000 | 1,574,000 | 2,100,000 |
| Noninterest expense | 1,421,000 | 2,934,000 | 4,522,000 | 6,191,000 |
| Provision for loan losses | 80,000 | 208,000 | 323,000 | 408,000 |
| Pretax income | 397,000 | 621,000 | 1,103,000 | 1,512,000 |
| Income tax | 66,000 | 74,000 | 171,000 | 245,000 |
| Net income | 331,000 | 547,000 | 932,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,440,000 | 16,761,000 | 16,961,000 | 16,954,000 |
| Total capital | 13,837,000 | 18,283,000 | 18,603,000 | 18,681,000 |
| Risk-weighted assets | 132,635,000 | 147,226,000 | 148,965,000 | 153,531,000 |
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