Call reports 2008
WOODLANDS NATIONAL BANK — 2008
What WOODLANDS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 122,557,000 | 116,351,000 | 118,546,000 | 117,609,000 |
| Total loans | 88,901,000 | 87,775,000 | 89,588,000 | 90,546,000 |
| Allowance for loan losses | 1,205,000 | 1,404,000 | 1,496,000 | 1,584,000 |
| Securities available for sale | 15,478,000 | 16,279,000 | 15,530,000 | 13,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,499,000 | 88,843,000 | 93,859,000 | 88,803,000 |
| Interest-bearing deposits | 70,333,000 | 65,741,000 | 71,565,000 | 69,338,000 |
| Noninterest-bearing deposits | 26,166,000 | 23,102,000 | 22,294,000 | 19,465,000 |
| Equity capital | 16,835,000 | 16,839,000 | 17,047,000 | 17,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 3,773,000 | 5,652,000 | 7,462,000 |
| Interest expense | 587,000 | 1,033,000 | 1,505,000 | 1,931,000 |
| Net interest income | 1,366,000 | 2,740,000 | 4,147,000 | 5,531,000 |
| Noninterest income | 503,000 | 972,000 | 1,414,000 | 1,788,000 |
| Noninterest expense | 1,155,000 | 2,420,000 | 3,719,000 | 4,996,000 |
| Provision for loan losses | 170,000 | 445,000 | 675,000 | 965,000 |
| Pretax income | 544,000 | 847,000 | 1,178,000 | 1,378,000 |
| Income tax | 124,000 | 242,000 | 356,000 | 416,000 |
| Net income | 420,000 | 605,000 | 822,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,377,000 | 14,559,000 | 14,776,000 | 14,916,000 |
| Total capital | 15,582,000 | 15,751,000 | 15,990,000 | 16,130,000 |
| Risk-weighted assets | 97,829,000 | 95,163,000 | 96,834,000 | 96,713,000 |