Call reports 2009
SPIRIT OF TEXAS BANK, SSB — 2009
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,289,000 | 75,163,000 | 97,199,000 | 143,968,000 |
| Total loans | 33,103,000 | 48,708,000 | 65,027,000 | 94,904,000 |
| Allowance for loan losses | 376,000 | 417,000 | 453,000 | 726,000 |
| Securities available for sale | 443,000 | 405,000 | 371,000 | 337,000 |
| Securities held to maturity | 488,000 | 469,000 | 449,000 | 431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,292,000 | 63,577,000 | 84,927,000 | 123,598,000 |
| Interest-bearing deposits | 47,334,000 | 52,920,000 | 67,946,000 | 109,890,000 |
| Noninterest-bearing deposits | 7,958,000 | 10,657,000 | 16,981,000 | 13,708,000 |
| Equity capital | 11,775,000 | 11,343,000 | 11,967,000 | 19,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,681,000 | 2,835,000 | 4,478,000 |
| Interest expense | 252,000 | 580,000 | 956,000 | 1,469,000 |
| Net interest income | 444,000 | 1,101,000 | 1,879,000 | 3,009,000 |
| Noninterest income | 71,000 | 237,000 | 540,000 | 893,000 |
| Noninterest expense | 949,000 | 2,153,000 | 3,478,000 | 5,488,000 |
| Provision for loan losses | 0 | 52,000 | 188,000 | 464,000 |
| Pretax income | -434,000 | -867,000 | -1,247,000 | -2,050,000 |
| Income tax | 0 | 0 | 0 | -39,000 |
| Net income | -434,000 | -867,000 | -1,247,000 | -2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,457,000 | 8,060,000 | 8,699,000 | 15,948,000 |
| Total capital | 8,833,000 | 8,477,000 | 9,152,000 | 16,674,000 |
| Risk-weighted assets | 39,056,000 | 49,970,000 | 66,421,000 | 94,753,000 |
Machine access — free, no API key
Every figure shown here about SPIRIT OF TEXAS BANK, SSB — 2009 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.