Call reports 2006
SPIRIT OF TEXAS BANK, SSB — 2006
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 50,421,000 | 49,215,000 | 48,978,000 | 48,398,000 |
| Total loans | 31,764,000 | 31,358,000 | 29,849,000 | 28,165,000 |
| Allowance for loan losses | 404,000 | 421,000 | 384,000 | 376,000 |
| Securities available for sale | 1,721,000 | 1,671,000 | 1,660,000 | 1,646,000 |
| Securities held to maturity | 5,243,000 | 7,222,000 | 6,196,000 | 6,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,779,000 | 43,654,000 | 43,436,000 | 43,065,000 |
| Interest-bearing deposits | 40,190,000 | 38,492,000 | 37,510,000 | 37,768,000 |
| Noninterest-bearing deposits | 4,589,000 | 5,162,000 | 5,926,000 | 5,297,000 |
| Equity capital | 4,886,000 | 4,800,000 | 4,655,000 | 4,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,609,000 | 2,399,000 | 3,189,000 |
| Interest expense | 286,000 | 598,000 | 946,000 | 1,308,000 |
| Net interest income | 494,000 | 1,011,000 | 1,453,000 | 1,881,000 |
| Noninterest income | 177,000 | 296,000 | 436,000 | 601,000 |
| Noninterest expense | 648,000 | 1,378,000 | 2,225,000 | 3,005,000 |
| Provision for loan losses | 15,000 | 40,000 | 40,000 | 100,000 |
| Pretax income | 8,000 | -111,000 | -376,000 | -623,000 |
| Income tax | 2,000 | -44,000 | -149,000 | -232,000 |
| Net income | 6,000 | -67,000 | -227,000 | -391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,923,000 | 4,850,000 | 4,689,000 | 3,926,000 |
| Total capital | 5,327,000 | 5,249,000 | 5,073,000 | 4,302,000 |
| Risk-weighted assets | 33,304,000 | 31,875,000 | 32,859,000 | 30,785,000 |
Machine access — free, no API key
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