Call reports 2015
STATE BANK OF TEXAS — 2015
What STATE BANK OF TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 774,339,000 | 714,833,000 | 664,639,000 | 660,004,000 |
| Total loans | 543,392,000 | 509,380,000 | 503,025,000 | 510,211,000 |
| Allowance for loan losses | 7,795,000 | 7,778,000 | 7,853,000 | 6,748,000 |
| Securities available for sale | 27,667,000 | 33,645,000 | 66,453,000 | 77,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,227,000 | 563,848,000 | 510,780,000 | 495,513,000 |
| Interest-bearing deposits | 532,040,000 | 481,798,000 | 423,521,000 | 433,879,000 |
| Noninterest-bearing deposits | 89,187,000 | 82,050,000 | 87,259,000 | 61,634,000 |
| Equity capital | 139,331,000 | 139,283,000 | 141,192,000 | 113,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 13,355,000 | 26,573,000 | 40,166,000 | 53,656,000 |
| Interest expense | 807,000 | 1,479,000 | 2,062,000 | 2,515,000 |
| Net interest income | 12,548,000 | 25,094,000 | 38,104,000 | 51,141,000 |
| Noninterest income | 597,000 | 953,000 | 1,413,000 | 3,219,000 |
| Noninterest expense | 2,860,000 | 5,698,000 | 8,074,000 | 10,980,000 |
| Provision for loan losses | 600,000 | 600,000 | 600,000 | 0 |
| Pretax income | 9,739,000 | 19,803,000 | 30,897,000 | 43,435,000 |
| Income tax | 0 | 0 | 0 | 850,000 |
| Net income | 9,739,000 | 19,803,000 | 30,897,000 | 42,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,999,000 | 139,001,000 | 140,133,000 | 111,509,000 |
| Total capital | 146,495,000 | 146,208,000 | 147,196,000 | 118,257,000 |
| Risk-weighted assets | 599,377,000 | 575,989,000 | 564,256,000 | 578,601,000 |