Call reports 2005
SUPERIOR NATIONAL BANK — 2005
What SUPERIOR NATIONAL 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 | 298,971,000 | 302,507,000 | 307,624,000 | 305,155,000 |
| Total loans | 194,120,000 | 203,653,000 | 210,793,000 | 211,816,000 |
| Allowance for loan losses | 2,747,000 | 2,790,000 | 2,897,000 | 2,932,000 |
| Securities available for sale | 83,673,000 | 81,523,000 | 77,379,000 | 74,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,604,000 | 271,950,000 | 280,384,000 | 277,368,000 |
| Interest-bearing deposits | 243,422,000 | 238,867,000 | 243,625,000 | 242,242,000 |
| Noninterest-bearing deposits | 30,182,000 | 33,083,000 | 36,759,000 | 35,126,000 |
| Equity capital | 24,089,000 | 25,361,000 | 25,921,000 | 26,171,000 |
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 | 3,847,000 | 7,950,000 | 12,235,000 | 16,607,000 |
| Interest expense | 1,256,000 | 2,600,000 | 4,100,000 | 5,700,000 |
| Net interest income | 2,591,000 | 5,350,000 | 8,135,000 | 10,907,000 |
| Noninterest income | 574,000 | 1,102,000 | 1,679,000 | 2,216,000 |
| Noninterest expense | 1,897,000 | 3,752,000 | 5,660,000 | 7,537,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 440,000 |
| Pretax income | 1,149,000 | 2,462,000 | 3,796,000 | 5,151,000 |
| Income tax | 317,000 | 692,000 | 1,075,000 | 1,473,000 |
| Net income | 832,000 | 1,770,000 | 2,721,000 | 3,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,890,000 | 25,653,000 | 26,429,000 | 27,086,000 |
| Total capital | 27,263,000 | 28,110,000 | 28,965,000 | 29,618,000 |
| Risk-weighted assets | 189,486,000 | 196,213,000 | 202,491,000 | 202,122,000 |