Call reports 2008
STATE BANK OF TEXAS — 2008
What STATE BANK OF TEXAS 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 | 500,565,000 | 555,899,000 | 595,745,000 | 585,494,000 |
| Total loans | 469,260,000 | 536,423,000 | 577,495,000 | 568,138,000 |
| Allowance for loan losses | 4,379,000 | 5,000,000 | 5,224,000 | 3,824,000 |
| Securities available for sale | 810,000 | 736,000 | 682,000 | 684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,190,000 | 385,575,000 | 433,658,000 | 425,556,000 |
| Interest-bearing deposits | 301,182,000 | 359,420,000 | 406,676,000 | 402,443,000 |
| Noninterest-bearing deposits | 22,008,000 | 26,155,000 | 26,982,000 | 23,113,000 |
| Equity capital | 55,496,000 | 60,215,000 | 62,045,000 | 65,980,000 |
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 | 10,710,000 | 21,505,000 | 33,306,000 | 45,138,000 |
| Interest expense | 4,094,000 | 7,651,000 | 11,557,000 | 15,250,000 |
| Net interest income | 6,616,000 | 13,854,000 | 21,749,000 | 29,888,000 |
| Noninterest income | 283,000 | 552,000 | 844,000 | 1,103,000 |
| Noninterest expense | 1,309,000 | 2,876,000 | 4,758,000 | 6,649,000 |
| Provision for loan losses | 900,000 | 2,121,000 | 2,346,000 | 4,946,000 |
| Pretax income | 4,690,000 | 9,409,000 | 15,489,000 | 19,396,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,690,000 | 9,409,000 | 15,489,000 | 19,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,517,000 | 60,236,000 | 62,066,000 | 65,973,000 |
| Total capital | 59,896,000 | 65,236,000 | 67,290,000 | 69,797,000 |
| Risk-weighted assets | 509,771,000 | 566,398,000 | 621,418,000 | 599,299,000 |