Call reports 2017
SPIRIT OF TEXAS BANK, SSB — 2017
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,001,972,000 | 1,008,088,000 | 1,023,376,000 | 1,027,075,000 |
| Total loans | 793,095,000 | 838,978,000 | 866,462,000 | 872,933,000 |
| Allowance for loan losses | 4,550,000 | 4,891,000 | 5,464,000 | 5,652,000 |
| Securities available for sale | 4,000 | 38,966,000 | 38,832,000 | 37,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 838,177,000 | 836,420,000 | 844,056,000 | 837,117,000 |
| Interest-bearing deposits | 678,111,000 | 675,826,000 | 673,256,000 | 658,642,000 |
| Noninterest-bearing deposits | 160,066,000 | 160,594,000 | 170,800,000 | 178,475,000 |
| Equity capital | 97,579,000 | 99,600,000 | 102,354,000 | 103,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 11,005,000 | 21,934,000 | 33,824,000 | 47,790,000 |
| Interest expense | 1,908,000 | 3,873,000 | 5,894,000 | 7,983,000 |
| Net interest income | 9,097,000 | 18,061,000 | 27,930,000 | 39,807,000 |
| Noninterest income | 2,235,000 | 5,613,000 | 8,618,000 | 8,488,000 |
| Noninterest expense | 8,395,000 | 16,980,000 | 25,327,000 | 33,374,000 |
| Provision for loan losses | 550,000 | 1,200,000 | 1,803,000 | 2,475,000 |
| Pretax income | 2,387,000 | 5,494,000 | 9,418,000 | 12,446,000 |
| Income tax | 759,000 | 1,717,000 | 2,861,000 | 4,055,000 |
| Net income | 1,628,000 | 3,777,000 | 6,557,000 | 8,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,859,000 | 88,967,000 | 92,188,000 | 94,371,000 |
| Total capital | 91,442,000 | 93,892,000 | 97,688,000 | 100,064,000 |
| Risk-weighted assets | 773,976,000 | 832,705,000 | 868,760,000 | 875,493,000 |