Call reports 2003
AMERICAN BANK OF TEXAS - SEGUIN — 2003
What AMERICAN BANK OF TEXAS - SEGUIN 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 | 256,874,000 | 263,685,000 | 256,125,000 | 260,282,000 |
| Total loans | 115,269,000 | 116,767,000 | 118,649,000 | 116,163,000 |
| Allowance for loan losses | 1,407,000 | 1,417,000 | 1,445,000 | 1,438,000 |
| Securities available for sale | 104,421,000 | 107,102,000 | 106,221,000 | 103,291,000 |
| Securities held to maturity | 1,701,000 | 1,700,000 | 1,700,000 | 1,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,955,000 | 201,534,000 | 195,203,000 | 198,718,000 |
| Interest-bearing deposits | 155,942,000 | 160,802,000 | 153,720,000 | 158,963,000 |
| Noninterest-bearing deposits | 40,013,000 | 40,732,000 | 41,483,000 | 39,755,000 |
| Equity capital | 40,243,000 | 41,271,000 | 40,584,000 | 39,808,000 |
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 | 3,209,000 | 6,376,000 | 9,443,000 | 12,448,000 |
| Interest expense | 870,000 | 1,702,000 | 2,462,000 | 3,173,000 |
| Net interest income | 2,339,000 | 4,674,000 | 6,981,000 | 9,275,000 |
| Noninterest income | 509,000 | 1,069,000 | 1,788,000 | 2,330,000 |
| Noninterest expense | 2,218,000 | 4,396,000 | 6,585,000 | 8,807,000 |
| Provision for loan losses | 30,000 | 49,000 | 87,000 | 105,000 |
| Pretax income | 600,000 | 1,298,000 | 2,097,000 | 2,693,000 |
| Income tax | 57,000 | 153,000 | 303,000 | 396,000 |
| Net income | 543,000 | 1,145,000 | 1,794,000 | 2,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,342,000 | 37,831,000 | 38,554,000 | 37,433,000 |
| Total capital | 38,749,000 | 39,248,000 | 39,999,000 | 38,871,000 |
| Risk-weighted assets | 148,361,000 | 152,053,000 | 154,378,000 | 154,441,000 |