Call reports 2005
STATE BANK OF TEXAS — 2005
What STATE BANK OF TEXAS 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 | 177,956,000 | 210,022,000 | 212,543,000 | 202,411,000 |
| Total loans | 156,862,000 | 173,264,000 | 188,898,000 | 183,018,000 |
| Allowance for loan losses | 1,710,000 | 2,042,000 | 2,365,000 | 2,180,000 |
| Securities available for sale | 1,523,000 | 1,414,000 | 1,393,000 | 1,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,667,000 | 126,860,000 | 128,211,000 | 121,785,000 |
| Interest-bearing deposits | 102,842,000 | 110,441,000 | 110,460,000 | 101,273,000 |
| Noninterest-bearing deposits | 14,825,000 | 16,419,000 | 17,751,000 | 20,512,000 |
| Equity capital | 19,008,000 | 30,041,000 | 30,485,000 | 28,850,000 |
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 | 3,309,000 | 7,379,000 | 11,934,000 | 17,496,000 |
| Interest expense | 979,000 | 2,262,000 | 3,575,000 | 5,031,000 |
| Net interest income | 2,330,000 | 5,117,000 | 8,359,000 | 12,465,000 |
| Noninterest income | 191,000 | 462,000 | 737,000 | 1,048,000 |
| Noninterest expense | 906,000 | 1,733,000 | 2,602,000 | 3,402,000 |
| Provision for loan losses | 215,000 | 515,000 | 830,000 | 830,000 |
| Pretax income | 1,391,000 | 3,322,000 | 5,655,000 | 9,253,000 |
| Income tax | 0 | 0 | 0 | 33,000 |
| Net income | 1,391,000 | 3,322,000 | 5,655,000 | 9,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,058,000 | 30,091,000 | 30,524,000 | 28,888,000 |
| Total capital | 20,768,000 | 32,133,000 | 32,889,000 | 31,068,000 |
| Risk-weighted assets | 161,669,000 | 190,045,000 | 195,941,000 | 193,696,000 |
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