Call reports 2005
AMERICAN BANK OF TEXAS - SEGUIN — 2005
What AMERICAN BANK OF TEXAS - SEGUIN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 258,262,000 | 272,662,000 | 273,648,000 | 287,578,000 |
| Total loans | 117,256,000 | 121,096,000 | 121,125,000 | 117,007,000 |
| Allowance for loan losses | 1,370,000 | 1,365,000 | 1,382,000 | 1,352,000 |
| Securities available for sale | 100,570,000 | 112,241,000 | 99,992,000 | 87,731,000 |
| Securities held to maturity | 1,441,000 | 1,441,000 | 1,441,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,083,000 | 217,842,000 | 218,158,000 | 227,051,000 |
| Interest-bearing deposits | 162,455,000 | 172,924,000 | 171,255,000 | 177,910,000 |
| Noninterest-bearing deposits | 41,628,000 | 44,918,000 | 46,903,000 | 49,141,000 |
| Equity capital | 39,849,000 | 40,265,000 | 40,735,000 | 47,344,000 |
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 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,883,000 | 5,919,000 | 9,088,000 | 2,197,000 |
| Interest expense | 748,000 | 1,626,000 | 2,625,000 | 703,000 |
| Net interest income | 2,135,000 | 4,293,000 | 6,463,000 | 1,494,000 |
| Noninterest income | 584,000 | 1,240,000 | 1,926,000 | 378,000 |
| Noninterest expense | 2,221,000 | 4,403,000 | 6,699,000 | 1,563,000 |
| Provision for loan losses | 10,000 | 31,000 | 49,000 | 2,000 |
| Pretax income | 488,000 | 1,327,000 | 1,869,000 | 307,000 |
| Income tax | 62,000 | 278,000 | 291,000 | 44,000 |
| Net income | 426,000 | 1,049,000 | 1,578,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,256,000 | 39,820,000 | 40,431,000 | 24,699,000 |
| Total capital | 40,626,000 | 41,185,000 | 41,813,000 | 26,070,000 |
| Risk-weighted assets | 150,797,000 | 147,830,000 | 146,857,000 | 146,214,000 |