Call reports 2004
TEXAS STATE BANK — 2004
What TEXAS STATE BANK 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 | 5,444,302,000 | 5,430,782,000 | 5,608,026,000 | 5,829,193,000 |
| Total loans | 3,316,165,000 | 3,455,930,000 | 3,558,652,000 | 3,779,501,000 |
| Allowance for loan losses | 41,094,000 | 41,956,000 | 43,153,000 | 45,024,000 |
| Securities available for sale | 1,488,398,000 | 1,437,493,000 | 1,480,227,000 | 1,497,996,000 |
| Securities held to maturity | 410,000 | 410,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,571,679,000 | 4,627,343,000 | 4,600,180,000 | 4,785,204,000 |
| Interest-bearing deposits | 3,948,743,000 | 3,740,983,000 | 3,721,681,000 | 3,894,067,000 |
| Noninterest-bearing deposits | 622,936,000 | 886,360,000 | 878,499,000 | 891,137,000 |
| Equity capital | 591,260,000 | 573,179,000 | 604,036,000 | 631,252,000 |
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 | 56,929,000 | 124,569,000 | 196,126,000 | 272,058,000 |
| Interest expense | 13,295,000 | 28,354,000 | 45,166,000 | 64,518,000 |
| Net interest income | 43,634,000 | 96,215,000 | 150,960,000 | 207,540,000 |
| Noninterest income | 13,077,000 | 29,782,000 | 46,679,000 | 64,842,000 |
| Noninterest expense | 26,790,000 | 64,102,000 | 101,559,000 | 139,321,000 |
| Provision for loan losses | 3,924,000 | 8,617,000 | 14,814,000 | 20,583,000 |
| Pretax income | 26,496,000 | 55,160,000 | 86,111,000 | 118,333,000 |
| Income tax | 8,877,000 | 18,128,000 | 28,606,000 | 39,351,000 |
| Net income | 17,619,000 | 37,032,000 | 57,505,000 | 78,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 375,554,000 | 388,707,000 | 405,479,000 | 430,258,000 |
| Total capital | 416,648,000 | 430,663,000 | 448,632,000 | 475,282,000 |
| Risk-weighted assets | 3,845,062,000 | 3,866,096,000 | 4,037,487,000 | 4,203,994,000 |