Call reports 2021
SPIRIT OF TEXAS BANK, SSB — 2021
What SPIRIT OF TEXAS BANK, SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,166,882,000 | 3,082,397,000 | 3,151,900,000 | 3,263,604,000 |
| Total loans | 2,432,131,000 | 2,275,422,000 | 2,258,988,000 | 2,326,234,000 |
| Allowance for loan losses | 16,313,000 | 16,527,000 | 16,268,000 | 16,395,000 |
| Securities available for sale | 442,575,000 | 434,223,000 | 421,311,000 | 400,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,619,172,000 | 2,585,232,000 | 2,683,391,000 | 2,790,556,000 |
| Interest-bearing deposits | 1,797,317,000 | 1,800,140,000 | 1,903,135,000 | 1,978,845,000 |
| Noninterest-bearing deposits | 821,855,000 | 785,093,000 | 780,256,000 | 811,711,000 |
| Equity capital | 374,150,000 | 396,451,000 | 406,309,000 | 413,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 31,170,000 | 63,923,000 | 94,681,000 | 125,514,000 |
| Interest expense | 2,736,000 | 5,195,000 | 7,256,000 | 9,032,000 |
| Net interest income | 28,434,000 | 58,728,000 | 87,425,000 | 116,482,000 |
| Noninterest income | 3,230,000 | 7,050,000 | 9,805,000 | 15,159,000 |
| Noninterest expense | 16,410,000 | 32,711,000 | 49,484,000 | 68,739,000 |
| Provision for loan losses | 1,086,000 | 2,435,000 | 2,741,000 | 3,711,000 |
| Pretax income | 13,914,000 | 30,514,000 | 44,840,000 | 58,527,000 |
| Income tax | 2,890,000 | 6,180,000 | 9,080,000 | 11,840,000 |
| Net income | 11,024,000 | 24,334,000 | 35,760,000 | 46,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 289,859,000 | 312,644,000 | 323,020,000 | 332,686,000 |
| Total capital | 306,262,000 | 329,261,000 | 339,378,000 | 349,158,000 |
| Risk-weighted assets | 2,255,980,000 | 2,331,871,000 | 2,404,283,000 | 2,593,727,000 |