Call reports 2014
SPIRIT OF TEXAS BANK, SSB — 2014
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 611,388,000 | 617,640,000 | 661,801,000 | 706,128,000 |
| Total loans | 495,737,000 | 514,108,000 | 549,831,000 | 584,206,000 |
| Allowance for loan losses | 2,164,000 | 2,219,000 | 2,141,000 | 2,031,000 |
| Securities available for sale | 18,738,000 | 14,274,000 | 16,733,000 | 15,884,000 |
| Securities held to maturity | 7,590,000 | 7,534,000 | 7,281,000 | 6,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,655,000 | 506,883,000 | 526,090,000 | 535,735,000 |
| Interest-bearing deposits | 412,311,000 | 406,039,000 | 410,899,000 | 424,905,000 |
| Noninterest-bearing deposits | 92,344,000 | 100,844,000 | 115,191,000 | 110,830,000 |
| Equity capital | 72,195,000 | 73,730,000 | 77,265,000 | 78,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,050,000 | 16,382,000 | 25,080,000 | 34,108,000 |
| Interest expense | 979,000 | 1,943,000 | 2,935,000 | 3,982,000 |
| Net interest income | 7,071,000 | 14,439,000 | 22,145,000 | 30,126,000 |
| Noninterest income | 1,576,000 | 3,916,000 | 5,569,000 | 6,643,000 |
| Noninterest expense | 7,176,000 | 14,786,000 | 22,274,000 | 29,966,000 |
| Provision for loan losses | 0 | 50,000 | 250,000 | 450,000 |
| Pretax income | 1,469,000 | 3,533,000 | 5,204,000 | 6,369,000 |
| Income tax | 407,000 | 994,000 | 1,419,000 | 1,906,000 |
| Net income | 1,062,000 | 2,539,000 | 3,785,000 | 4,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,247,000 | 63,907,000 | 67,631,000 | 68,524,000 |
| Total capital | 64,411,000 | 66,126,000 | 69,772,000 | 70,555,000 |
| Risk-weighted assets | 455,555,000 | 475,536,000 | 515,215,000 | 541,314,000 |
Machine access — free, no API key
Every figure shown here about SPIRIT OF TEXAS BANK, SSB — 2014 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.