Call reports 2005
TEXAS STATE BANK — 2005
What TEXAS STATE BANK 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 | 6,081,601,000 | 6,218,438,000 | 6,295,962,000 | 6,579,792,000 |
| Total loans | 3,868,821,000 | 3,927,302,000 | 3,988,382,000 | 4,144,105,000 |
| Allowance for loan losses | 47,313,000 | 48,022,000 | 51,367,000 | 50,027,000 |
| Securities available for sale | 1,616,607,000 | 1,705,571,000 | 1,718,095,000 | 1,805,109,000 |
| Securities held to maturity | 210,000 | 210,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,026,203,000 | 5,178,735,000 | 5,155,043,000 | 5,418,270,000 |
| Interest-bearing deposits | 4,081,869,000 | 4,237,211,000 | 4,222,389,000 | 4,288,901,000 |
| Noninterest-bearing deposits | 944,334,000 | 941,524,000 | 932,654,000 | 1,129,369,000 |
| Equity capital | 640,294,000 | 661,182,000 | 670,847,000 | 681,463,000 |
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 | 80,976,000 | 167,291,000 | 258,371,000 | 355,326,000 |
| Interest expense | 22,249,000 | 48,975,000 | 79,861,000 | 114,190,000 |
| Net interest income | 58,727,000 | 118,316,000 | 178,510,000 | 241,136,000 |
| Noninterest income | 23,696,000 | 42,859,000 | 61,952,000 | 79,797,000 |
| Noninterest expense | 39,848,000 | 77,707,000 | 117,269,000 | 156,051,000 |
| Provision for loan losses | 5,408,000 | 11,208,000 | 19,927,000 | 26,072,000 |
| Pretax income | 37,165,000 | 72,581,000 | 104,061,000 | 139,605,000 |
| Income tax | 12,556,000 | 25,168,000 | 35,790,000 | 47,547,000 |
| Net income | 24,609,000 | 47,413,000 | 68,271,000 | 92,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 429,934,000 | 448,349,000 | 466,356,000 | 485,537,000 |
| Total capital | 477,247,000 | 496,371,000 | 517,723,000 | 535,564,000 |
| Risk-weighted assets | 4,355,086,000 | 4,436,346,000 | 4,511,083,000 | 4,683,923,000 |