Call reports 2004
BANK OF SOUTH TEXAS — 2004
What BANK OF SOUTH TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,646,000 | 57,614,000 | 58,065,000 | 53,123,000 |
| Total loans | 21,581,000 | 21,646,000 | 18,898,000 | 18,359,000 |
| Allowance for loan losses | 395,000 | 360,000 | 362,000 | 344,000 |
| Securities available for sale | 30,361,000 | 28,092,000 | 33,282,000 | 26,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,958,000 | 47,496,000 | 46,959,000 | 45,776,000 |
| Interest-bearing deposits | 36,998,000 | 34,921,000 | 34,597,000 | 33,829,000 |
| Noninterest-bearing deposits | 12,960,000 | 12,575,000 | 12,362,000 | 11,947,000 |
| Equity capital | 5,692,000 | 5,018,000 | 5,172,000 | 5,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,421,000 | 2,081,000 | 2,719,000 |
| Interest expense | 154,000 | 303,000 | 453,000 | 611,000 |
| Net interest income | 570,000 | 1,118,000 | 1,628,000 | 2,108,000 |
| Noninterest income | 204,000 | 368,000 | 543,000 | 696,000 |
| Noninterest expense | 629,000 | 1,273,000 | 1,963,000 | 2,679,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 140,000 | 210,000 | 319,000 | 236,000 |
| Income tax | 16,000 | 13,000 | 33,000 | -10,000 |
| Net income | 124,000 | 197,000 | 286,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,370,000 | 4,328,000 | 4,246,000 | 4,196,000 |
| Total capital | 4,765,000 | 4,688,000 | 4,600,000 | 4,537,000 |
| Risk-weighted assets | 31,596,000 | 33,029,000 | 28,466,000 | 27,538,000 |