Call reports 2005
SABINE STATE BANK AND TRUST COMPANY — 2005
What SABINE STATE BANK AND TRUST COMPANY 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 | 439,724,000 | 450,879,000 | 481,078,000 | 494,173,000 |
| Total loans | 277,974,000 | 302,380,000 | 305,824,000 | 320,277,000 |
| Allowance for loan losses | 3,063,000 | 2,949,000 | 2,979,000 | 3,087,000 |
| Securities available for sale | 85,419,000 | 87,831,000 | 95,444,000 | 100,863,000 |
| Securities held to maturity | 29,269,000 | 28,198,000 | 27,708,000 | 27,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,692,000 | 391,945,000 | 418,844,000 | 434,218,000 |
| Interest-bearing deposits | 286,582,000 | 294,832,000 | 307,556,000 | 314,864,000 |
| Noninterest-bearing deposits | 109,110,000 | 97,113,000 | 111,288,000 | 119,354,000 |
| Equity capital | 30,446,000 | 32,539,000 | 33,385,000 | 34,022,000 |
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 | 5,448,000 | 11,444,000 | 18,027,000 | 25,118,000 |
| Interest expense | 1,450,000 | 3,253,000 | 5,409,000 | 7,802,000 |
| Net interest income | 3,998,000 | 8,191,000 | 12,618,000 | 17,316,000 |
| Noninterest income | 1,754,000 | 3,662,000 | 5,570,000 | 7,396,000 |
| Noninterest expense | 4,345,000 | 8,920,000 | 13,715,000 | 18,591,000 |
| Provision for loan losses | 250,000 | 250,000 | 400,000 | 620,000 |
| Pretax income | 1,157,000 | 2,683,000 | 4,073,000 | 5,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,157,000 | 2,683,000 | 4,073,000 | 5,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,720,000 | 28,617,000 | 30,239,000 | 31,608,000 |
| Total capital | 30,783,000 | 31,566,000 | 33,218,000 | 34,695,000 |
| Risk-weighted assets | 274,399,000 | 296,108,000 | 311,908,000 | 327,388,000 |