Call reports 2003
STATE BANK OF TEXAS — 2003
What STATE BANK OF TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 158,217,000 | 155,816,000 | 149,197,000 | 155,349,000 |
| Total loans | 140,726,000 | 136,104,000 | 134,590,000 | 132,434,000 |
| Allowance for loan losses | 2,126,000 | 2,061,000 | 1,926,000 | 1,872,000 |
| Securities available for sale | 2,168,000 | 2,088,000 | 2,012,000 | 1,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,255,000 | 116,157,000 | 108,661,000 | 113,790,000 |
| Interest-bearing deposits | 108,960,000 | 100,526,000 | 93,302,000 | 98,920,000 |
| Noninterest-bearing deposits | 15,295,000 | 15,631,000 | 15,359,000 | 14,870,000 |
| Equity capital | 12,593,000 | 13,420,000 | 14,143,000 | 14,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,503,000 | 5,203,000 | 7,905,000 | 10,672,000 |
| Interest expense | 1,037,000 | 2,005,000 | 2,810,000 | 3,556,000 |
| Net interest income | 1,466,000 | 3,198,000 | 5,095,000 | 7,116,000 |
| Noninterest income | 239,000 | 541,000 | 888,000 | 1,077,000 |
| Noninterest expense | 767,000 | 1,534,000 | 2,385,000 | 3,163,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 938,000 | 2,205,000 | 3,598,000 | 5,017,000 |
| Income tax | 16,000 | 0 | 32,000 | 31,000 |
| Net income | 922,000 | 2,205,000 | 3,566,000 | 4,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,666,000 | 13,489,000 | 14,209,000 | 14,256,000 |
| Total capital | 14,330,000 | 15,191,000 | 15,884,000 | 15,922,000 |
| Risk-weighted assets | 132,685,000 | 135,818,000 | 133,765,000 | 133,097,000 |
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