Call reports 2005
POST OAK BANK, N.A. — 2005
What POST OAK BANK, N.A. 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 | 51,205,000 | 55,898,000 | 66,581,000 | 75,064,000 |
| Total loans | 32,375,000 | 41,143,000 | 43,563,000 | 51,748,000 |
| Allowance for loan losses | 486,000 | 617,000 | 658,000 | 776,000 |
| Securities available for sale | 1,964,000 | 3,956,000 | 3,948,000 | 6,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,504,000 | 42,178,000 | 52,689,000 | 61,077,000 |
| Interest-bearing deposits | 28,667,000 | 32,451,000 | 42,892,000 | 47,764,000 |
| Noninterest-bearing deposits | 8,837,000 | 9,727,000 | 9,797,000 | 13,313,000 |
| Equity capital | 13,634,000 | 13,606,000 | 13,706,000 | 13,702,000 |
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 | 559,000 | 1,339,000 | 2,245,000 | 3,389,000 |
| Interest expense | 106,000 | 263,000 | 488,000 | 816,000 |
| Net interest income | 453,000 | 1,076,000 | 1,757,000 | 2,573,000 |
| Noninterest income | 13,000 | 30,000 | 46,000 | 66,000 |
| Noninterest expense | 504,000 | 1,051,000 | 1,596,000 | 2,277,000 |
| Provision for loan losses | 119,000 | 250,000 | 291,000 | 409,000 |
| Pretax income | -157,000 | -195,000 | -84,000 | -47,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -157,000 | -195,000 | -84,000 | -47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,660,000 | 13,622,000 | 13,733,000 | 13,770,000 |
| Total capital | 14,114,000 | 14,162,000 | 14,328,000 | 14,472,000 |
| Risk-weighted assets | 36,300,000 | 43,088,000 | 47,552,000 | 56,124,000 |