Call reports 2006
BANK OF SOUTH TEXAS — 2006
What BANK OF SOUTH TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,756,000 | 56,587,000 | 66,985,000 | 68,604,000 |
| Total loans | 15,110,000 | 22,745,000 | 34,412,000 | 38,150,000 |
| Allowance for loan losses | 276,000 | 273,000 | 254,000 | 265,000 |
| Securities available for sale | 21,047,000 | 19,972,000 | 19,549,000 | 18,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,646,000 | 46,654,000 | 53,888,000 | 58,517,000 |
| Interest-bearing deposits | 35,462,000 | 34,963,000 | 40,757,000 | 45,168,000 |
| Noninterest-bearing deposits | 13,185,000 | 11,691,000 | 13,131,000 | 13,349,000 |
| Equity capital | 9,740,000 | 9,507,000 | 9,627,000 | 9,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 1,281,000 | 2,352,000 | 3,650,000 |
| Interest expense | 101,000 | 320,000 | 588,000 | 999,000 |
| Net interest income | 279,000 | 961,000 | 1,764,000 | 2,651,000 |
| Noninterest income | 60,000 | 181,000 | 302,000 | 500,000 |
| Noninterest expense | 370,000 | 1,188,000 | 2,043,000 | 3,185,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | -31,000 | -46,000 | 23,000 | -61,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -31,000 | -46,000 | 23,000 | -61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,830,000 | 5,835,000 | 5,829,000 | 5,767,000 |
| Total capital | 6,106,000 | 6,108,000 | 6,083,000 | 6,032,000 |
| Risk-weighted assets | 25,401,000 | 31,508,000 | 42,074,000 | 44,829,000 |