Call reports 2005
BANK OF SOUTH TEXAS — 2005
What BANK OF SOUTH TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,096,000 | 49,213,000 | 50,887,000 | 51,017,000 |
| Total loans | 17,428,000 | 16,213,000 | 16,129,000 | 14,317,000 |
| Allowance for loan losses | 319,000 | 310,000 | 246,000 | 249,000 |
| Securities available for sale | 24,103,000 | 23,710,000 | 23,001,000 | 21,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,005,000 | 43,902,000 | 44,173,000 | 44,122,000 |
| Interest-bearing deposits | 34,098,000 | 32,848,000 | 32,869,000 | 33,198,000 |
| Noninterest-bearing deposits | 11,907,000 | 11,054,000 | 11,303,000 | 10,923,000 |
| Equity capital | 4,840,000 | 4,953,000 | 4,822,000 | 4,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,259,000 | 1,883,000 | 2,483,000 |
| Interest expense | 145,000 | 288,000 | 440,000 | 612,000 |
| Net interest income | 491,000 | 971,000 | 1,443,000 | 1,871,000 |
| Noninterest income | 185,000 | 328,000 | 432,000 | 762,000 |
| Noninterest expense | 634,000 | 1,268,000 | 1,831,000 | 2,455,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 50,000 | 39,000 | 52,000 | 186,000 |
| Income tax | 3,000 | -31,000 | -40,000 | -5,000 |
| Net income | 47,000 | 70,000 | 92,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,231,000 | 4,237,000 | 4,064,000 | 4,282,000 |
| Total capital | 4,550,000 | 4,546,000 | 4,310,000 | 4,531,000 |
| Risk-weighted assets | 26,717,000 | 25,776,000 | 25,741,000 | 24,332,000 |