Call reports 2004
WOODLANDS NATIONAL BANK — 2004
What WOODLANDS 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 | 102,341,000 | 100,382,000 | 94,572,000 | 96,070,000 |
| Total loans | 61,672,000 | 65,990,000 | 70,037,000 | 73,440,000 |
| Allowance for loan losses | 994,000 | 915,000 | 1,103,000 | 1,148,000 |
| Securities available for sale | 14,525,000 | 15,242,000 | 13,626,000 | 11,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,590,000 | 87,783,000 | 74,997,000 | 79,601,000 |
| Interest-bearing deposits | 46,018,000 | 42,528,000 | 39,810,000 | 48,560,000 |
| Noninterest-bearing deposits | 43,572,000 | 45,255,000 | 35,186,000 | 31,041,000 |
| Equity capital | 11,445,000 | 11,716,000 | 12,207,000 | 12,486,000 |
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 | 1,126,000 | 2,333,000 | 3,585,000 | 4,957,000 |
| Interest expense | 203,000 | 397,000 | 587,000 | 867,000 |
| Net interest income | 923,000 | 1,936,000 | 2,998,000 | 4,090,000 |
| Noninterest income | 423,000 | 959,000 | 1,587,000 | 2,119,000 |
| Noninterest expense | 901,000 | 1,701,000 | 2,554,000 | 3,506,000 |
| Provision for loan losses | 87,000 | 156,000 | 351,000 | 505,000 |
| Pretax income | 374,000 | 1,054,000 | 1,696,000 | 2,214,000 |
| Income tax | 143,000 | 383,000 | 645,000 | 838,000 |
| Net income | 231,000 | 671,000 | 1,051,000 | 1,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,977,000 | 9,418,000 | 9,797,000 | 10,123,000 |
| Total capital | 9,848,000 | 10,320,000 | 10,717,000 | 11,099,000 |
| Risk-weighted assets | 69,591,000 | 72,174,000 | 73,383,000 | 77,930,000 |