Call reports 2013
SPIRIT OF TEXAS BANK, SSB — 2013
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 454,301,000 | 454,238,000 | 542,127,000 | 670,046,000 |
| Total loans | 317,840,000 | 333,179,000 | 399,277,000 | 457,630,000 |
| Allowance for loan losses | 1,822,000 | 1,650,000 | 1,627,000 | 1,989,000 |
| Securities available for sale | 10,177,000 | 25,366,000 | 31,410,000 | 32,951,000 |
| Securities held to maturity | 201,000 | 5,702,000 | 7,855,000 | 7,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,449,000 | 370,394,000 | 442,115,000 | 565,222,000 |
| Interest-bearing deposits | 305,208,000 | 309,994,000 | 357,524,000 | 476,009,000 |
| Noninterest-bearing deposits | 66,241,000 | 60,400,000 | 84,591,000 | 89,213,000 |
| Equity capital | 57,509,000 | 57,467,000 | 67,695,000 | 70,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,299,000 | 10,681,000 | 17,171,000 | 24,317,000 |
| Interest expense | 787,000 | 1,592,000 | 2,458,000 | 3,421,000 |
| Net interest income | 4,512,000 | 9,089,000 | 14,713,000 | 20,896,000 |
| Noninterest income | 1,274,000 | 2,445,000 | 3,358,000 | 10,032,000 |
| Noninterest expense | 4,548,000 | 9,582,000 | 15,588,000 | 22,723,000 |
| Provision for loan losses | 75,000 | 175,000 | 225,000 | 575,000 |
| Pretax income | 1,163,000 | 1,777,000 | 2,381,000 | 7,624,000 |
| Income tax | 296,000 | 431,000 | 547,000 | 2,571,000 |
| Net income | 867,000 | 1,346,000 | 1,834,000 | 5,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,320,000 | 50,904,000 | 58,188,000 | 61,049,000 |
| Total capital | 52,142,000 | 52,554,000 | 59,815,000 | 63,038,000 |
| Risk-weighted assets | 290,600,000 | 308,902,000 | 371,014,000 | 431,203,000 |