Call reports 2004
STATE BANK OF TEXAS — 2004
What STATE BANK OF TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 157,306,000 | 148,493,000 | 142,540,000 | 185,671,000 |
| Total loans | 136,231,000 | 130,620,000 | 128,299,000 | 141,483,000 |
| Allowance for loan losses | 1,847,000 | 1,833,000 | 1,782,000 | 1,503,000 |
| Securities available for sale | 1,902,000 | 1,834,000 | 1,733,000 | 1,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,675,000 | 109,254,000 | 101,934,000 | 122,351,000 |
| Interest-bearing deposits | 99,106,000 | 95,048,000 | 87,054,000 | 108,396,000 |
| Noninterest-bearing deposits | 14,569,000 | 14,206,000 | 14,880,000 | 13,955,000 |
| Equity capital | 15,421,000 | 16,112,000 | 17,151,000 | 17,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,581,000 | 5,249,000 | 8,101,000 | 11,274,000 |
| Interest expense | 661,000 | 1,349,000 | 1,980,000 | 2,625,000 |
| Net interest income | 1,920,000 | 3,900,000 | 6,121,000 | 8,649,000 |
| Noninterest income | 198,000 | 394,000 | 615,000 | 807,000 |
| Noninterest expense | 866,000 | 1,819,000 | 2,682,000 | 3,568,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,252,000 | 2,475,000 | 4,054,000 | 5,731,000 |
| Income tax | 24,000 | 3,000 | 27,000 | 49,000 |
| Net income | 1,228,000 | 2,472,000 | 4,027,000 | 5,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,484,000 | 16,175,000 | 17,213,000 | 17,666,000 |
| Total capital | 17,275,000 | 17,875,000 | 18,833,000 | 19,169,000 |
| Risk-weighted assets | 143,225,000 | 135,831,000 | 129,411,000 | 158,368,000 |
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