Call reports 2015
SPIRIT OF TEXAS BANK, SSB — 2015
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 769,703,000 | 806,692,000 | 837,709,000 | 846,198,000 |
| Total loans | 614,062,000 | 635,929,000 | 681,880,000 | 699,374,000 |
| Allowance for loan losses | 1,999,000 | 2,234,000 | 2,231,000 | 3,076,000 |
| Securities available for sale | 11,175,000 | 8,275,000 | 8,088,000 | 7,771,000 |
| Securities held to maturity | 8,214,000 | 8,003,000 | 7,811,000 | 7,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,568,000 | 615,041,000 | 660,254,000 | 663,756,000 |
| Interest-bearing deposits | 467,197,000 | 500,227,000 | 538,870,000 | 546,593,000 |
| Noninterest-bearing deposits | 118,371,000 | 114,814,000 | 121,384,000 | 117,163,000 |
| Equity capital | 79,805,000 | 81,644,000 | 83,369,000 | 87,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,140,000 | 18,826,000 | 28,782,000 | 39,053,000 |
| Interest expense | 1,131,000 | 2,440,000 | 3,897,000 | 5,431,000 |
| Net interest income | 8,009,000 | 16,386,000 | 24,885,000 | 33,622,000 |
| Noninterest income | 1,635,000 | 3,723,000 | 5,433,000 | 7,868,000 |
| Noninterest expense | 7,171,000 | 14,747,000 | 22,527,000 | 30,653,000 |
| Provision for loan losses | 200,000 | 450,000 | 580,000 | 1,580,000 |
| Pretax income | 2,317,000 | 4,957,000 | 7,256,000 | 9,302,000 |
| Income tax | 682,000 | 1,449,000 | 2,094,000 | 2,802,000 |
| Net income | 1,635,000 | 3,508,000 | 5,162,000 | 6,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,135,000 | 75,073,000 | 76,790,000 | 80,193,000 |
| Total capital | 75,134,000 | 77,307,000 | 79,021,000 | 83,269,000 |
| Risk-weighted assets | 605,612,000 | 634,785,000 | 638,720,000 | 685,467,000 |