Call reports 2003
KATY BANK, NATIONAL ASSOCIATION — 2003
What KATY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 44,898,000 | 44,443,000 | 43,151,000 | 43,523,000 |
| Total loans | 17,943,000 | 19,307,000 | 20,112,000 | 22,661,000 |
| Allowance for loan losses | 206,000 | 216,000 | 237,000 | 271,000 |
| Securities available for sale | 17,051,000 | 14,921,000 | 15,839,000 | 13,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,559,000 | 41,137,000 | 40,031,000 | 40,366,000 |
| Interest-bearing deposits | 26,099,000 | 26,201,000 | 25,142,000 | 25,867,000 |
| Noninterest-bearing deposits | 15,460,000 | 14,936,000 | 14,889,000 | 14,499,000 |
| Equity capital | 3,049,000 | 3,036,000 | 2,919,000 | 2,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 962,000 | 1,435,000 | 1,910,000 |
| Interest expense | 123,000 | 248,000 | 362,000 | 468,000 |
| Net interest income | 358,000 | 714,000 | 1,073,000 | 1,442,000 |
| Noninterest income | 149,000 | 287,000 | 450,000 | 604,000 |
| Noninterest expense | 471,000 | 984,000 | 1,462,000 | 1,883,000 |
| Provision for loan losses | 0 | 10,000 | 30,000 | 60,000 |
| Pretax income | 36,000 | 93,000 | 185,000 | 282,000 |
| Income tax | 8,000 | 19,000 | 58,000 | 86,000 |
| Net income | 28,000 | 74,000 | 127,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,854,000 | 2,901,000 | 2,954,000 | 3,029,000 |
| Total capital | 3,060,000 | 3,117,000 | 3,191,000 | 3,300,000 |
| Risk-weighted assets | 25,238,000 | 25,887,000 | 26,384,000 | 28,268,000 |