Call reports 2002
BANK OF SOUTH TEXAS — 2002
What BANK OF SOUTH TEXAS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 27,745,000 | 27,193,000 | 28,252,000 | 27,507,000 |
| Total loans | 19,848,000 | 19,040,000 | 19,806,000 | 19,307,000 |
| Allowance for loan losses | 123,000 | 125,000 | 138,000 | 125,000 |
| Securities available for sale | 6,523,000 | 6,300,000 | 6,717,000 | 6,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,811,000 | 22,806,000 | 21,908,000 | 22,487,000 |
| Interest-bearing deposits | 18,623,000 | 18,441,000 | 18,296,000 | 18,693,000 |
| Noninterest-bearing deposits | 4,188,000 | 4,365,000 | 3,612,000 | 3,794,000 |
| Equity capital | 2,902,000 | 3,052,000 | 3,153,000 | 3,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 978,000 | 1,462,000 | 1,938,000 |
| Interest expense | 149,000 | 298,000 | 424,000 | 546,000 |
| Net interest income | 346,000 | 680,000 | 1,038,000 | 1,392,000 |
| Noninterest income | 42,000 | 79,000 | 131,000 | 185,000 |
| Noninterest expense | 266,000 | 513,000 | 787,000 | 1,081,000 |
| Provision for loan losses | 5,000 | 15,000 | 30,000 | 40,000 |
| Pretax income | 117,000 | 231,000 | 352,000 | 456,000 |
| Income tax | 17,000 | 50,000 | 75,000 | 99,000 |
| Net income | 100,000 | 181,000 | 277,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,839,000 | 2,920,000 | 2,952,000 | 3,030,000 |
| Total capital | 2,962,000 | 3,045,000 | 3,090,000 | 3,155,000 |
| Risk-weighted assets | 21,389,000 | 20,816,000 | 21,677,000 | 21,194,000 |