Call reports 2004
SOUTH TEXAS NATIONAL BANK OF LAREDO — 2004
What SOUTH TEXAS NATIONAL BANK OF LAREDO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 633,049,000 | 643,793,000 | 626,679,000 | 641,374,000 |
| Total loans | 297,349,000 | 295,659,000 | 294,379,000 | 292,826,000 |
| Allowance for loan losses | 3,694,000 | 3,831,000 | 4,026,000 | 3,990,000 |
| Securities available for sale | 229,245,000 | 239,352,000 | 236,349,000 | 204,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 543,729,000 | 557,659,000 | 535,647,000 | 550,403,000 |
| Interest-bearing deposits | 430,241,000 | 421,411,000 | 422,229,000 | 425,975,000 |
| Noninterest-bearing deposits | 113,488,000 | 136,248,000 | 113,418,000 | 124,428,000 |
| Equity capital | 70,064,000 | 68,075,000 | 71,435,000 | 73,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,377,000 | 14,321,000 | 21,714,000 | 29,196,000 |
| Interest expense | 1,606,000 | 3,255,000 | 4,941,000 | 6,793,000 |
| Net interest income | 5,771,000 | 11,066,000 | 16,773,000 | 22,403,000 |
| Noninterest income | 1,442,000 | 2,950,000 | 4,531,000 | 6,035,000 |
| Noninterest expense | 4,262,000 | 8,594,000 | 12,914,000 | 17,069,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 2,718,000 | 4,939,000 | 7,690,000 | 10,419,000 |
| Income tax | 906,000 | 1,635,000 | 2,545,000 | 3,412,000 |
| Net income | 1,812,000 | 3,304,000 | 5,145,000 | 7,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,025,000 | 45,584,000 | 47,486,000 | 49,406,000 |
| Total capital | 47,719,000 | 49,415,000 | 51,414,000 | 53,396,000 |
| Risk-weighted assets | 314,404,000 | 318,125,000 | 314,141,000 | 319,672,000 |