Call reports 2003
WOODLANDS NATIONAL BANK — 2003
What WOODLANDS NATIONAL BANK 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 | 94,709,000 | 91,129,000 | 91,063,000 | 96,413,000 |
| Total loans | 48,301,000 | 50,018,000 | 51,581,000 | 58,512,000 |
| Allowance for loan losses | 811,000 | 830,000 | 859,000 | 914,000 |
| Securities available for sale | 16,846,000 | 15,461,000 | 15,987,000 | 16,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,177,000 | 79,161,000 | 78,829,000 | 84,136,000 |
| Interest-bearing deposits | 57,484,000 | 43,867,000 | 52,726,000 | 53,612,000 |
| Noninterest-bearing deposits | 25,693,000 | 35,294,000 | 26,103,000 | 30,524,000 |
| Equity capital | 10,948,000 | 11,285,000 | 11,397,000 | 11,524,000 |
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 | 1,060,000 | 2,126,000 | 3,209,000 | 4,347,000 |
| Interest expense | 257,000 | 500,000 | 713,000 | 919,000 |
| Net interest income | 803,000 | 1,626,000 | 2,496,000 | 3,428,000 |
| Noninterest income | 439,000 | 923,000 | 1,255,000 | 1,619,000 |
| Noninterest expense | 739,000 | 1,498,000 | 2,364,000 | 3,258,000 |
| Provision for loan losses | 0 | 15,000 | 60,000 | 182,000 |
| Pretax income | 532,000 | 1,071,000 | 1,362,000 | 1,642,000 |
| Income tax | 205,000 | 406,000 | 550,000 | 659,000 |
| Net income | 327,000 | 665,000 | 812,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,308,000 | 8,647,000 | 8,919,000 | 9,090,000 |
| Total capital | 9,014,000 | 9,362,000 | 9,675,000 | 9,931,000 |
| Risk-weighted assets | 56,385,000 | 57,104,000 | 60,366,000 | 67,229,000 |