Call reports 2005
SOUTH PADRE BANK, NATIONAL ASSOCIATION — 2005
What SOUTH PADRE BANK, NATIONAL ASSOCIATION 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 | 33,943,000 | 38,954,000 | 40,222,000 | 37,126,000 |
| Total loans | 25,674,000 | 26,042,000 | 27,029,000 | 28,702,000 |
| Allowance for loan losses | 291,000 | 296,000 | 306,000 | 341,000 |
| Securities available for sale | 4,139,000 | 4,213,000 | 4,198,000 | 4,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,546,000 | 31,512,000 | 32,690,000 | 29,614,000 |
| Interest-bearing deposits | 19,399,000 | 20,488,000 | 22,432,000 | 21,492,000 |
| Noninterest-bearing deposits | 8,147,000 | 11,024,000 | 10,258,000 | 8,122,000 |
| Equity capital | 4,814,000 | 4,957,000 | 5,118,000 | 5,214,000 |
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 | 448,000 | 920,000 | 1,496,000 | 2,073,000 |
| Interest expense | 76,000 | 171,000 | 285,000 | 406,000 |
| Net interest income | 372,000 | 749,000 | 1,211,000 | 1,667,000 |
| Noninterest income | 27,000 | 43,000 | 61,000 | 50,000 |
| Noninterest expense | 207,000 | 416,000 | 627,000 | 843,000 |
| Provision for loan losses | 15,000 | 20,000 | 30,000 | 65,000 |
| Pretax income | 163,000 | 295,000 | 554,000 | 748,000 |
| Income tax | 57,000 | 101,000 | 189,000 | 254,000 |
| Net income | 106,000 | 194,000 | 365,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,887,000 | 4,975,000 | 5,146,000 | 5,274,000 |
| Total capital | 5,178,000 | 5,271,000 | 5,452,000 | 5,615,000 |
| Risk-weighted assets | 24,304,000 | 25,630,000 | 27,462,000 | 27,581,000 |