Call reports 2016
SPIRIT OF TEXAS BANK, SSB — 2016
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 861,886,000 | 904,470,000 | 940,539,000 | 979,282,000 |
| Total loans | 702,184,000 | 717,492,000 | 728,300,000 | 776,468,000 |
| Allowance for loan losses | 3,391,000 | 3,727,000 | 3,930,000 | 4,357,000 |
| Securities available for sale | 7,639,000 | 4,937,000 | 1,933,000 | 0 |
| Securities held to maturity | 7,288,000 | 6,988,000 | 6,765,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,942,000 | 727,193,000 | 767,931,000 | 814,524,000 |
| Interest-bearing deposits | 560,112,000 | 590,922,000 | 622,855,000 | 642,963,000 |
| Noninterest-bearing deposits | 114,830,000 | 136,271,000 | 145,076,000 | 171,561,000 |
| Equity capital | 89,348,000 | 93,113,000 | 94,622,000 | 96,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,344,000 | 21,273,000 | 30,953,000 | 41,840,000 |
| Interest expense | 1,568,000 | 3,073,000 | 4,770,000 | 6,617,000 |
| Net interest income | 8,776,000 | 18,200,000 | 26,183,000 | 35,223,000 |
| Noninterest income | 1,955,000 | 3,768,000 | 5,768,000 | 7,952,000 |
| Noninterest expense | 8,012,000 | 16,363,000 | 23,849,000 | 32,109,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,200,000 | 1,617,000 |
| Pretax income | 2,269,000 | 4,705,000 | 6,905,000 | 9,502,000 |
| Income tax | 681,000 | 1,341,000 | 2,040,000 | 2,820,000 |
| Net income | 1,588,000 | 3,364,000 | 4,865,000 | 6,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,527,000 | 83,345,000 | 84,799,000 | 86,333,000 |
| Total capital | 83,918,000 | 87,072,000 | 88,729,000 | 90,723,000 |
| Risk-weighted assets | 686,368,000 | 697,649,000 | 713,359,000 | 758,140,000 |