Call reports 2003
BANK OF SOUTH TEXAS — 2003
What BANK OF SOUTH TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,420,000 | 28,443,000 | 61,076,000 | 58,375,000 |
| Total loans | 17,628,000 | 16,569,000 | 24,938,000 | 22,498,000 |
| Allowance for loan losses | 213,000 | 170,000 | 320,000 | 419,000 |
| Securities available for sale | 5,687,000 | 4,955,000 | 28,485,000 | 28,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,158,000 | 24,216,000 | 53,333,000 | 49,713,000 |
| Interest-bearing deposits | 18,165,000 | 19,124,000 | 40,521,000 | 37,351,000 |
| Noninterest-bearing deposits | 4,994,000 | 5,092,000 | 12,812,000 | 12,362,000 |
| Equity capital | 3,138,000 | 3,057,000 | 5,583,000 | 5,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 402,000 | 809,000 | 1,523,000 | 2,269,000 |
| Interest expense | 104,000 | 205,000 | 353,000 | 508,000 |
| Net interest income | 298,000 | 604,000 | 1,170,000 | 1,761,000 |
| Noninterest income | 48,000 | 47,000 | 185,000 | 267,000 |
| Noninterest expense | 290,000 | 575,000 | 1,145,000 | 1,762,000 |
| Provision for loan losses | 140,000 | 170,000 | 201,000 | 532,000 |
| Pretax income | -84,000 | -94,000 | 4,000 | -267,000 |
| Income tax | 0 | 22,000 | -26,000 | -147,000 |
| Net income | -84,000 | -116,000 | 30,000 | -120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,933,000 | 2,810,000 | 4,599,000 | 4,452,000 |
| Total capital | 3,146,000 | 2,980,000 | 4,919,000 | 4,855,000 |
| Risk-weighted assets | 20,104,000 | 19,831,000 | 34,195,000 | 32,234,000 |