Call reports 2012
SPIRIT OF TEXAS BANK, SSB — 2012
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 304,787,000 | 318,706,000 | 349,865,000 | 462,932,000 |
| Total loans | 218,644,000 | 233,470,000 | 245,960,000 | 318,492,000 |
| Allowance for loan losses | 1,675,000 | 1,822,000 | 2,096,000 | 1,765,000 |
| Securities available for sale | 47,781,000 | 18,618,000 | 8,016,000 | 6,784,000 |
| Securities held to maturity | 306,000 | 297,000 | 226,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,052,000 | 265,366,000 | 279,445,000 | 380,830,000 |
| Interest-bearing deposits | 233,297,000 | 229,027,000 | 235,776,000 | 296,853,000 |
| Noninterest-bearing deposits | 31,755,000 | 36,339,000 | 43,669,000 | 83,977,000 |
| Equity capital | 37,793,000 | 38,718,000 | 44,269,000 | 56,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,899,000 | 8,192,000 | 12,249,000 | 16,968,000 |
| Interest expense | 645,000 | 1,238,000 | 1,883,000 | 2,615,000 |
| Net interest income | 3,254,000 | 6,954,000 | 10,366,000 | 14,353,000 |
| Noninterest income | 1,149,000 | 2,232,000 | 3,525,000 | 5,317,000 |
| Noninterest expense | 3,663,000 | 7,556,000 | 11,551,000 | 15,870,000 |
| Provision for loan losses | 340,000 | 532,000 | 831,000 | 1,144,000 |
| Pretax income | 400,000 | 1,385,000 | 1,939,000 | 3,086,000 |
| Income tax | 116,000 | 187,000 | 187,000 | 1,073,000 |
| Net income | 284,000 | 1,198,000 | 1,752,000 | 2,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,072,000 | 32,067,000 | 37,703,000 | 49,354,000 |
| Total capital | 32,747,000 | 33,889,000 | 39,799,000 | 51,119,000 |
| Risk-weighted assets | 200,635,000 | 213,322,000 | 223,738,000 | 292,673,000 |