Call reports 2007
WOODLANDS NATIONAL BANK — 2007
What WOODLANDS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,839,000 | 121,188,000 | 123,716,000 | 114,199,000 |
| Total loans | 91,847,000 | 89,176,000 | 90,650,000 | 88,103,000 |
| Allowance for loan losses | 1,545,000 | 1,403,000 | 1,446,000 | 1,204,000 |
| Securities available for sale | 14,572,000 | 13,913,000 | 14,576,000 | 14,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,007,000 | 102,898,000 | 104,908,000 | 93,925,000 |
| Interest-bearing deposits | 80,209,000 | 80,725,000 | 75,771,000 | 67,673,000 |
| Noninterest-bearing deposits | 22,798,000 | 22,173,000 | 29,137,000 | 26,252,000 |
| Equity capital | 15,520,000 | 15,752,000 | 16,140,000 | 16,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,079,000 | 4,202,000 | 6,385,000 | 8,515,000 |
| Interest expense | 830,000 | 1,682,000 | 2,521,000 | 3,266,000 |
| Net interest income | 1,249,000 | 2,520,000 | 3,864,000 | 5,249,000 |
| Noninterest income | 404,000 | 947,000 | 1,423,000 | 1,902,000 |
| Noninterest expense | 1,131,000 | 2,272,000 | 3,411,000 | 4,613,000 |
| Provision for loan losses | 90,000 | 180,000 | 340,000 | 340,000 |
| Pretax income | 429,000 | 1,012,000 | 1,533,000 | 2,195,000 |
| Income tax | 162,000 | 401,000 | 630,000 | 876,000 |
| Net income | 267,000 | 611,000 | 903,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,199,000 | 13,543,000 | 13,834,000 | 14,251,000 |
| Total capital | 14,399,000 | 14,758,000 | 15,058,000 | 15,424,000 |
| Risk-weighted assets | 95,689,000 | 96,999,000 | 97,684,000 | 93,838,000 |