Call reports 2008
POST OAK BANK, N.A. — 2008
What POST OAK BANK, N.A. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 276,781,000 | 290,717,000 | 334,731,000 | 346,383,000 |
| Total loans | 206,692,000 | 221,971,000 | 243,868,000 | 263,303,000 |
| Allowance for loan losses | 2,501,000 | 2,664,000 | 2,917,000 | 3,139,000 |
| Securities available for sale | 13,923,000 | 15,365,000 | 19,806,000 | 34,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,613,000 | 250,823,000 | 295,420,000 | 307,988,000 |
| Interest-bearing deposits | 173,402,000 | 185,261,000 | 221,642,000 | 224,873,000 |
| Noninterest-bearing deposits | 65,211,000 | 65,562,000 | 73,778,000 | 83,115,000 |
| Equity capital | 35,524,000 | 35,700,000 | 36,165,000 | 36,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,212,000 | 8,341,000 | 12,654,000 | 17,167,000 |
| Interest expense | 1,421,000 | 2,737,000 | 4,141,000 | 5,552,000 |
| Net interest income | 2,791,000 | 5,604,000 | 8,513,000 | 11,615,000 |
| Noninterest income | 104,000 | 216,000 | 341,000 | 464,000 |
| Noninterest expense | 2,160,000 | 4,410,000 | 6,635,000 | 9,091,000 |
| Provision for loan losses | 247,000 | 410,000 | 703,000 | 1,029,000 |
| Pretax income | 488,000 | 1,000,000 | 1,516,000 | 1,959,000 |
| Income tax | 168,000 | 342,000 | 515,000 | 686,000 |
| Net income | 320,000 | 658,000 | 1,001,000 | 1,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,755,000 | 35,024,000 | 35,443,000 | 35,499,000 |
| Total capital | 37,256,000 | 37,703,000 | 38,375,000 | 38,660,000 |
| Risk-weighted assets | 213,159,000 | 231,828,000 | 255,483,000 | 269,520,000 |