Call reports 2001
SOUTH TEXAS NATIONAL BANK OF LAREDO — 2001
What SOUTH TEXAS NATIONAL BANK OF LAREDO reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 331,613,000 | 327,343,000 | 338,489,000 | 525,932,000 |
| Total loans | 125,646,000 | 133,987,000 | 142,644,000 | 220,441,000 |
| Allowance for loan losses | 1,286,000 | 1,345,000 | 1,263,000 | 1,904,000 |
| Securities available for sale | 144,401,000 | 144,597,000 | 156,824,000 | 210,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,650,000 | 276,252,000 | 286,895,000 | 453,782,000 |
| Interest-bearing deposits | 230,792,000 | 230,291,000 | 242,486,000 | 378,007,000 |
| Noninterest-bearing deposits | 50,858,000 | 45,961,000 | 44,409,000 | 75,775,000 |
| Equity capital | 24,511,000 | 25,588,000 | 26,655,000 | 48,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,782,000 | 11,415,000 | 17,093,000 | 23,276,000 |
| Interest expense | 3,055,000 | 5,971,000 | 8,652,000 | 11,120,000 |
| Net interest income | 2,727,000 | 5,444,000 | 8,441,000 | 12,156,000 |
| Noninterest income | 716,000 | 1,422,000 | 2,100,000 | 2,857,000 |
| Noninterest expense | 1,965,000 | 3,991,000 | 6,237,000 | 8,858,000 |
| Provision for loan losses | 90,000 | 180,000 | 180,000 | 356,000 |
| Pretax income | 1,388,000 | 2,695,000 | 4,124,000 | 5,799,000 |
| Income tax | 488,000 | 949,000 | 1,453,000 | 2,004,000 |
| Net income | 900,000 | 1,746,000 | 2,671,000 | 3,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,288,000 | 24,134,000 | 25,060,000 | 29,485,000 |
| Total capital | 24,574,000 | 25,479,000 | 26,323,000 | 31,389,000 |
| Risk-weighted assets | 145,592,000 | 152,846,000 | 159,683,000 | 228,290,000 |