Call reports 2002
SOUTH TEXAS NATIONAL BANK OF LAREDO — 2002
What SOUTH TEXAS NATIONAL BANK OF LAREDO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 526,138,000 | 516,321,000 | 514,265,000 | 524,256,000 |
| Total loans | 227,879,000 | 235,953,000 | 246,508,000 | 255,981,000 |
| Allowance for loan losses | 2,109,000 | 2,224,000 | 2,419,000 | 2,606,000 |
| Securities available for sale | 204,903,000 | 213,089,000 | 196,325,000 | 197,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,650,000 | 440,496,000 | 435,823,000 | 446,198,000 |
| Interest-bearing deposits | 374,494,000 | 361,366,000 | 353,415,000 | 358,378,000 |
| Noninterest-bearing deposits | 78,156,000 | 79,130,000 | 82,408,000 | 87,820,000 |
| Equity capital | 49,054,000 | 51,935,000 | 54,192,000 | 55,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,685,000 | 13,851,000 | 20,912,000 | 27,580,000 |
| Interest expense | 2,360,000 | 4,502,000 | 6,553,000 | 8,374,000 |
| Net interest income | 4,325,000 | 9,349,000 | 14,359,000 | 19,206,000 |
| Noninterest income | 1,073,000 | 2,249,000 | 3,490,000 | 4,653,000 |
| Noninterest expense | 3,231,000 | 6,938,000 | 10,586,000 | 14,417,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 1,917,000 | 4,160,000 | 6,513,000 | 8,553,000 |
| Income tax | 616,000 | 1,349,000 | 2,132,000 | 2,752,000 |
| Net income | 1,301,000 | 2,811,000 | 4,381,000 | 5,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,817,000 | 32,395,000 | 34,023,000 | 35,540,000 |
| Total capital | 32,926,000 | 34,619,000 | 36,442,000 | 38,146,000 |
| Risk-weighted assets | 235,430,000 | 246,027,000 | 251,997,000 | 261,446,000 |