Call reports 2004
AMERICAN BANK OF TEXAS - SEGUIN — 2004
What AMERICAN BANK OF TEXAS - SEGUIN 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 | 253,808,000 | 256,296,000 | 252,606,000 | 258,575,000 |
| Total loans | 115,065,000 | 117,664,000 | 118,547,000 | 118,424,000 |
| Allowance for loan losses | 1,426,000 | 1,389,000 | 1,377,000 | 1,384,000 |
| Securities available for sale | 102,780,000 | 105,169,000 | 100,112,000 | 103,333,000 |
| Securities held to maturity | 1,439,000 | 1,439,000 | 1,440,000 | 1,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,248,000 | 196,868,000 | 197,557,000 | 203,008,000 |
| Interest-bearing deposits | 157,575,000 | 161,153,000 | 155,297,000 | 161,633,000 |
| Noninterest-bearing deposits | 34,673,000 | 35,715,000 | 42,260,000 | 41,375,000 |
| Equity capital | 40,954,000 | 39,301,000 | 40,751,000 | 39,869,000 |
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 | 2,934,000 | 5,776,000 | 8,710,000 | 11,636,000 |
| Interest expense | 683,000 | 1,369,000 | 2,028,000 | 2,680,000 |
| Net interest income | 2,251,000 | 4,407,000 | 6,682,000 | 8,956,000 |
| Noninterest income | 569,000 | 1,167,000 | 1,751,000 | 2,289,000 |
| Noninterest expense | 2,110,000 | 4,261,000 | 6,430,000 | 8,748,000 |
| Provision for loan losses | 5,000 | 10,000 | 11,000 | 27,000 |
| Pretax income | 714,000 | 1,341,000 | 2,039,000 | 2,513,000 |
| Income tax | 94,000 | 186,000 | 296,000 | 311,000 |
| Net income | 620,000 | 1,155,000 | 1,743,000 | 2,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,002,000 | 38,479,000 | 38,766,000 | 38,648,000 |
| Total capital | 39,428,000 | 39,868,000 | 40,143,000 | 40,032,000 |
| Risk-weighted assets | 150,759,000 | 149,591,000 | 151,832,000 | 152,580,000 |