Call reports 2010
SPIRIT OF TEXAS BANK, SSB — 2010
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 170,221,000 | 174,806,000 | 188,933,000 | 200,519,000 |
| Total loans | 105,678,000 | 121,093,000 | 123,721,000 | 139,657,000 |
| Allowance for loan losses | 865,000 | 1,039,000 | 1,076,000 | 1,103,000 |
| Securities available for sale | 304,000 | 274,000 | 201,000 | 6,913,000 |
| Securities held to maturity | 415,000 | 398,000 | 384,000 | 370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,515,000 | 155,104,000 | 158,992,000 | 168,487,000 |
| Interest-bearing deposits | 138,876,000 | 142,566,000 | 146,142,000 | 151,559,000 |
| Noninterest-bearing deposits | 11,639,000 | 12,538,000 | 12,850,000 | 16,928,000 |
| Equity capital | 19,332,000 | 19,446,000 | 29,656,000 | 29,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 4,099,000 | 6,367,000 | 8,755,000 |
| Interest expense | 602,000 | 1,164,000 | 1,745,000 | 2,332,000 |
| Net interest income | 1,324,000 | 2,935,000 | 4,622,000 | 6,423,000 |
| Noninterest income | 553,000 | 1,149,000 | 1,854,000 | 2,783,000 |
| Noninterest expense | 1,715,000 | 3,634,000 | 5,775,000 | 8,240,000 |
| Provision for loan losses | 148,000 | 322,000 | 362,000 | 431,000 |
| Pretax income | 14,000 | 128,000 | 339,000 | 535,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 14,000 | 128,000 | 339,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,981,000 | 16,113,000 | 26,342,000 | 26,708,000 |
| Total capital | 16,846,000 | 17,152,000 | 27,418,000 | 27,811,000 |
| Risk-weighted assets | 106,444,000 | 118,270,000 | 123,597,000 | 135,853,000 |
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