Call reports 2007
BANK OF SOUTH TEXAS — 2007
What BANK OF SOUTH TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,523,000 | 79,988,000 | 82,030,000 | 82,574,000 |
| Total loans | 44,963,000 | 48,969,000 | 53,624,000 | 58,045,000 |
| Allowance for loan losses | 266,000 | 293,000 | 325,000 | 387,000 |
| Securities available for sale | 17,708,000 | 16,770,000 | 16,210,000 | 15,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,372,000 | 69,876,000 | 71,489,000 | 71,511,000 |
| Interest-bearing deposits | 57,573,000 | 56,023,000 | 57,692,000 | 58,088,000 |
| Noninterest-bearing deposits | 13,799,000 | 13,853,000 | 13,797,000 | 13,423,000 |
| Equity capital | 9,525,000 | 9,512,000 | 9,906,000 | 10,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 3,014,000 | 4,689,000 | 6,315,000 |
| Interest expense | 558,000 | 1,162,000 | 1,780,000 | 2,393,000 |
| Net interest income | 892,000 | 1,852,000 | 2,909,000 | 3,922,000 |
| Noninterest income | 130,000 | 293,000 | 462,000 | 746,000 |
| Noninterest expense | 950,000 | 1,857,000 | 2,751,000 | 3,792,000 |
| Provision for loan losses | 32,000 | 50,000 | 84,000 | 147,000 |
| Pretax income | 40,000 | 238,000 | 536,000 | 729,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 238,000 | 536,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,705,000 | 5,874,000 | 6,133,000 | 6,703,000 |
| Total capital | 5,971,000 | 6,167,000 | 6,458,000 | 7,090,000 |
| Risk-weighted assets | 54,330,000 | 57,136,000 | 60,004,000 | 63,176,000 |