Call reports 2018
SPIRIT OF TEXAS BANK, SSB — 2018
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,036,658,000 | 1,075,381,000 | 1,101,354,000 | 1,465,892,000 |
| Total loans | 886,632,000 | 925,235,000 | 959,574,000 | 1,096,884,000 |
| Allowance for loan losses | 5,727,000 | 6,015,000 | 6,156,000 | 6,286,000 |
| Securities available for sale | 35,802,000 | 34,519,000 | 33,449,000 | 179,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 844,221,000 | 883,517,000 | 910,739,000 | 1,209,562,000 |
| Interest-bearing deposits | 662,507,000 | 661,065,000 | 664,883,000 | 923,919,000 |
| Noninterest-bearing deposits | 181,714,000 | 222,452,000 | 245,856,000 | 285,643,000 |
| Equity capital | 105,300,000 | 107,818,000 | 111,094,000 | 173,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 12,653,000 | 26,140,000 | 40,417,000 | 57,338,000 |
| Interest expense | 2,159,000 | 4,514,000 | 7,102,000 | 10,155,000 |
| Net interest income | 10,494,000 | 21,626,000 | 33,315,000 | 47,183,000 |
| Noninterest income | 2,584,000 | 4,863,000 | 7,437,000 | 10,464,000 |
| Noninterest expense | 9,816,000 | 18,830,000 | 28,461,000 | 40,173,000 |
| Provision for loan losses | 339,000 | 974,000 | 1,460,000 | 2,160,000 |
| Pretax income | 2,923,000 | 6,685,000 | 10,831,000 | 15,314,000 |
| Income tax | 547,000 | 1,274,000 | 2,083,000 | 2,797,000 |
| Net income | 2,376,000 | 5,411,000 | 8,748,000 | 12,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,013,000 | 97,085,000 | 100,545,000 | 140,149,000 |
| Total capital | 100,780,000 | 103,140,000 | 106,742,000 | 146,483,000 |
| Risk-weighted assets | 882,886,000 | 918,287,000 | 954,452,000 | 1,131,662,000 |