Call reports 2003
SOUTH TEXAS NATIONAL BANK OF LAREDO — 2003
What SOUTH TEXAS NATIONAL BANK OF LAREDO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 640,668,000 | 634,697,000 | 622,882,000 | 639,099,000 |
| Total loans | 287,765,000 | 297,408,000 | 296,097,000 | 299,242,000 |
| Allowance for loan losses | 3,134,000 | 3,215,000 | 3,326,000 | 3,470,000 |
| Securities available for sale | 250,659,000 | 233,567,000 | 234,524,000 | 238,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,050,000 | 546,896,000 | 538,737,000 | 554,378,000 |
| Interest-bearing deposits | 447,500,000 | 437,927,000 | 432,651,000 | 435,693,000 |
| Noninterest-bearing deposits | 106,550,000 | 108,969,000 | 106,086,000 | 118,685,000 |
| Equity capital | 64,526,000 | 65,840,000 | 64,706,000 | 66,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,558,000 | 13,714,000 | 20,108,000 | 27,416,000 |
| Interest expense | 1,648,000 | 3,455,000 | 5,176,000 | 6,904,000 |
| Net interest income | 4,910,000 | 10,259,000 | 14,932,000 | 20,512,000 |
| Noninterest income | 1,212,000 | 2,674,000 | 4,259,000 | 5,784,000 |
| Noninterest expense | 3,767,000 | 7,929,000 | 12,180,000 | 16,547,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 2,105,000 | 4,504,000 | 7,041,000 | 9,211,000 |
| Income tax | 691,000 | 1,500,000 | 2,336,000 | 3,014,000 |
| Net income | 1,414,000 | 3,004,000 | 4,705,000 | 6,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,203,000 | 38,864,000 | 40,640,000 | 42,211,000 |
| Total capital | 40,337,000 | 42,079,000 | 43,966,000 | 45,681,000 |
| Risk-weighted assets | 301,514,000 | 307,620,000 | 301,222,000 | 305,975,000 |