Call reports 2004
SOUTH PADRE BANK, NATIONAL ASSOCIATION — 2004
What SOUTH PADRE BANK, NATIONAL ASSOCIATION 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 | 30,053,000 | 30,127,000 | 30,366,000 | 32,360,000 |
| Total loans | 20,294,000 | 21,131,000 | 22,961,000 | 24,335,000 |
| Allowance for loan losses | 228,000 | 238,000 | 251,000 | 276,000 |
| Securities available for sale | 1,462,000 | 5,328,000 | 5,449,000 | 5,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,381,000 | 25,525,000 | 25,507,000 | 24,979,000 |
| Interest-bearing deposits | 18,827,000 | 18,384,000 | 18,492,000 | 19,220,000 |
| Noninterest-bearing deposits | 6,554,000 | 7,141,000 | 7,015,000 | 5,759,000 |
| Equity capital | 4,508,000 | 4,480,000 | 4,678,000 | 4,752,000 |
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 | 365,000 | 719,000 | 1,108,000 | 1,523,000 |
| Interest expense | 62,000 | 119,000 | 179,000 | 245,000 |
| Net interest income | 303,000 | 600,000 | 929,000 | 1,278,000 |
| Noninterest income | 21,000 | 44,000 | 65,000 | 81,000 |
| Noninterest expense | 208,000 | 396,000 | 581,000 | 763,000 |
| Provision for loan losses | 15,000 | 25,000 | 38,000 | 63,000 |
| Pretax income | 101,000 | 223,000 | 375,000 | 533,000 |
| Income tax | 32,000 | 72,000 | 125,000 | 179,000 |
| Net income | 69,000 | 151,000 | 250,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,496,000 | 4,578,000 | 4,677,000 | 4,781,000 |
| Total capital | 4,724,000 | 4,816,000 | 4,928,000 | 5,057,000 |
| Risk-weighted assets | 18,636,000 | 19,129,000 | 20,545,000 | 22,117,000 |