Call reports 2007
SPIRIT OF TEXAS BANK, SSB — 2007
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,073,000 | 44,713,000 | 44,568,000 | 41,802,000 |
| Total loans | 28,187,000 | 27,624,000 | 27,351,000 | 27,137,000 |
| Allowance for loan losses | 344,000 | 351,000 | 327,000 | 347,000 |
| Securities available for sale | 1,629,000 | 1,587,000 | 1,587,000 | 1,575,000 |
| Securities held to maturity | 5,154,000 | 5,130,000 | 5,105,000 | 3,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,872,000 | 39,463,000 | 39,551,000 | 37,859,000 |
| Interest-bearing deposits | 36,018,000 | 34,088,000 | 33,531,000 | 32,747,000 |
| Noninterest-bearing deposits | 4,854,000 | 5,375,000 | 6,020,000 | 5,112,000 |
| Equity capital | 4,445,000 | 4,462,000 | 4,417,000 | 3,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,528,000 | 2,258,000 | 2,974,000 |
| Interest expense | 347,000 | 683,000 | 1,009,000 | 1,327,000 |
| Net interest income | 457,000 | 845,000 | 1,249,000 | 1,647,000 |
| Noninterest income | 123,000 | 290,000 | 428,000 | 535,000 |
| Noninterest expense | 665,000 | 1,353,000 | 1,995,000 | 3,440,000 |
| Provision for loan losses | 21,000 | -154,000 | -154,000 | -94,000 |
| Pretax income | -106,000 | -64,000 | -164,000 | -1,164,000 |
| Income tax | -35,000 | -20,000 | -54,000 | 3,000 |
| Net income | -71,000 | -44,000 | -110,000 | -1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,855,000 | 3,882,000 | 3,603,000 | 2,601,000 |
| Total capital | 4,199,000 | 4,233,000 | 3,930,000 | 2,948,000 |
| Risk-weighted assets | 30,270,000 | 30,408,000 | 30,132,000 | 29,312,000 |
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