Call reports 2019
SPIRIT OF TEXAS BANK, SSB — 2019
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,475,535,000 | 1,899,023,000 | 1,959,519,000 | 2,384,705,000 |
| Total loans | 1,122,295,000 | 1,412,027,000 | 1,490,415,000 | 1,771,574,000 |
| Allowance for loan losses | 6,569,000 | 6,277,000 | 6,565,000 | 6,737,000 |
| Securities available for sale | 131,068,000 | 171,058,000 | 166,669,000 | 96,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,227,415,000 | 1,572,558,000 | 1,610,346,000 | 1,934,228,000 |
| Interest-bearing deposits | 944,706,000 | 1,202,712,000 | 1,219,004,000 | 1,483,304,000 |
| Noninterest-bearing deposits | 282,709,000 | 369,846,000 | 391,342,000 | 450,924,000 |
| Equity capital | 178,558,000 | 262,976,000 | 269,468,000 | 336,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 18,883,000 | 43,182,000 | 68,182,000 | 95,257,000 |
| Interest expense | 3,419,000 | 7,695,000 | 12,114,000 | 16,965,000 |
| Net interest income | 15,464,000 | 35,487,000 | 56,068,000 | 78,292,000 |
| Noninterest income | 2,013,000 | 4,746,000 | 7,407,000 | 10,015,000 |
| Noninterest expense | 12,084,000 | 26,894,000 | 41,789,000 | 59,288,000 |
| Provision for loan losses | 849,000 | 1,182,000 | 2,082,000 | 2,856,000 |
| Pretax income | 5,625,000 | 14,291,000 | 21,738,000 | 30,745,000 |
| Income tax | 1,097,000 | 2,779,000 | 4,242,000 | 6,059,000 |
| Net income | 4,528,000 | 11,512,000 | 17,496,000 | 24,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,609,000 | 200,448,000 | 208,125,000 | 252,769,000 |
| Total capital | 153,198,000 | 206,781,000 | 214,746,000 | 259,603,000 |
| Risk-weighted assets | 1,155,801,000 | 1,466,634,000 | 1,555,397,000 | 1,808,299,000 |