Call reports 2005
WOODLANDS NATIONAL BANK — 2005
What WOODLANDS 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 | 101,348,000 | 105,350,000 | 108,934,000 | 105,259,000 |
| Total loans | 75,913,000 | 77,695,000 | 78,567,000 | 80,679,000 |
| Allowance for loan losses | 1,167,000 | 1,138,000 | 1,200,000 | 1,192,000 |
| Securities available for sale | 10,836,000 | 11,247,000 | 12,024,000 | 12,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,151,000 | 90,248,000 | 93,274,000 | 88,585,000 |
| Interest-bearing deposits | 50,179,000 | 54,949,000 | 59,676,000 | 58,429,000 |
| Noninterest-bearing deposits | 33,972,000 | 35,299,000 | 33,598,000 | 30,156,000 |
| Equity capital | 12,567,000 | 13,032,000 | 13,515,000 | 14,008,000 |
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 | 1,417,000 | 2,949,000 | 4,628,000 | 6,452,000 |
| Interest expense | 301,000 | 649,000 | 1,052,000 | 1,485,000 |
| Net interest income | 1,116,000 | 2,300,000 | 3,576,000 | 4,967,000 |
| Noninterest income | 609,000 | 1,252,000 | 1,942,000 | 2,493,000 |
| Noninterest expense | 961,000 | 1,898,000 | 2,906,000 | 4,000,000 |
| Provision for loan losses | 29,000 | 209,000 | 317,000 | 317,000 |
| Pretax income | 735,000 | 1,444,000 | 2,294,000 | 3,142,000 |
| Income tax | 246,000 | 534,000 | 866,000 | 1,179,000 |
| Net income | 489,000 | 910,000 | 1,428,000 | 1,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,278,000 | 10,698,000 | 11,217,000 | 11,755,000 |
| Total capital | 11,247,000 | 11,702,000 | 12,239,000 | 12,801,000 |
| Risk-weighted assets | 77,330,000 | 80,174,000 | 81,570,000 | 83,562,000 |