Call reports 2008
SPIRIT OF TEXAS BANK, SSB — 2008
What SPIRIT OF TEXAS BANK, SSB 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 | 41,736,000 | 42,334,000 | 38,954,000 | 53,017,000 |
| Total loans | 26,119,000 | 25,061,000 | 22,311,000 | 26,609,000 |
| Allowance for loan losses | 303,000 | 392,000 | 293,000 | 393,000 |
| Securities available for sale | 1,066,000 | 1,020,000 | 1,005,000 | 975,000 |
| Securities held to maturity | 1,066,000 | 544,000 | 525,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,883,000 | 39,177,000 | 35,985,000 | 40,617,000 |
| Interest-bearing deposits | 32,398,000 | 33,556,000 | 31,094,000 | 33,507,000 |
| Noninterest-bearing deposits | 5,485,000 | 5,621,000 | 4,891,000 | 7,110,000 |
| Equity capital | 3,225,000 | 2,597,000 | 2,458,000 | 12,210,000 |
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 | 629,000 | 1,228,000 | 1,758,000 | 256,000 |
| Interest expense | 294,000 | 570,000 | 825,000 | 111,000 |
| Net interest income | 335,000 | 658,000 | 933,000 | 145,000 |
| Noninterest income | 110,000 | 220,000 | 313,000 | 39,000 |
| Noninterest expense | 596,000 | 1,511,000 | 2,158,000 | 342,000 |
| Provision for loan losses | 0 | 124,000 | 129,000 | 111,000 |
| Pretax income | -151,000 | -757,000 | -1,041,000 | -269,000 |
| Income tax | 1,000 | 10,000 | 23,000 | 4,000 |
| Net income | -152,000 | -767,000 | -1,064,000 | -273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,451,000 | 1,835,000 | 1,689,000 | 8,886,000 |
| Total capital | 2,754,000 | 2,185,000 | 1,982,000 | 9,279,000 |
| Risk-weighted assets | 28,375,000 | 27,927,000 | 25,978,000 | 30,895,000 |
Machine access — free, no API key
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