Call reports 2008
BANK OF SOUTH TEXAS — 2008
What BANK OF SOUTH TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 79,464,000 | 75,957,000 | 77,176,000 | 76,393,000 |
| Total loans | 60,479,000 | 59,666,000 | 56,924,000 | 60,591,000 |
| Allowance for loan losses | 390,000 | 346,000 | 246,000 | 377,000 |
| Securities available for sale | 5,268,000 | 1,170,000 | 1,156,000 | 1,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,222,000 | 64,670,000 | 65,989,000 | 65,622,000 |
| Interest-bearing deposits | 54,874,000 | 51,374,000 | 52,503,000 | 51,596,000 |
| Noninterest-bearing deposits | 13,348,000 | 13,296,000 | 13,486,000 | 14,026,000 |
| Equity capital | 10,819,000 | 10,945,000 | 10,897,000 | 10,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,527,000 | 3,017,000 | 4,307,000 | 5,535,000 |
| Interest expense | 541,000 | 954,000 | 1,340,000 | 1,723,000 |
| Net interest income | 986,000 | 2,063,000 | 2,967,000 | 3,812,000 |
| Noninterest income | 147,000 | 295,000 | 477,000 | 650,000 |
| Noninterest expense | 984,000 | 2,001,000 | 3,020,000 | 4,217,000 |
| Provision for loan losses | 5,000 | 5,000 | 22,000 | 122,000 |
| Pretax income | 235,000 | 453,000 | 503,000 | 224,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 235,000 | 453,000 | 503,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,954,000 | 7,160,000 | 7,125,000 | 6,363,000 |
| Total capital | 7,344,000 | 7,506,000 | 7,371,000 | 6,740,000 |
| Risk-weighted assets | 63,555,000 | 61,033,000 | 58,530,000 | 60,595,000 |