Call reports 2005
SOUTH TEXAS NATIONAL BANK OF LAREDO — 2005
What SOUTH TEXAS NATIONAL BANK OF LAREDO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 648,266,000 | 662,961,000 | 664,658,000 |
| Total loans | 286,700,000 | 289,048,000 | 282,006,000 |
| Allowance for loan losses | 4,110,000 | 4,181,000 | 4,229,000 |
| Securities available for sale | 224,868,000 | 250,740,000 | 278,809,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 556,565,000 | 569,716,000 | 568,654,000 |
| Interest-bearing deposits | 427,702,000 | 374,367,000 | 388,587,000 |
| Noninterest-bearing deposits | 128,863,000 | 195,349,000 | 180,067,000 |
| Equity capital | 73,118,000 | 75,692,000 | 77,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 7,568,000 | 5,734,000 | 14,353,000 |
| Interest expense | 2,061,000 | 1,612,000 | 4,249,000 |
| Net interest income | 5,507,000 | 4,122,000 | 10,104,000 |
| Noninterest income | 1,653,000 | 999,000 | 2,478,000 |
| Noninterest expense | 4,666,000 | 2,952,000 | 7,124,000 |
| Provision for loan losses | 225,000 | 156,000 | 381,000 |
| Pretax income | 2,269,000 | 2,013,000 | 5,077,000 |
| Income tax | 754,000 | 675,000 | 1,706,000 |
| Net income | 1,515,000 | 1,338,000 | 3,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 50,934,000 | 52,785,000 | 54,648,000 |
| Total capital | 54,903,000 | 56,701,000 | 58,519,000 |
| Risk-weighted assets | 317,393,000 | 313,014,000 | 309,317,000 |