Call reports 2009
BANK OF SOUTH TEXAS — 2009
What BANK OF SOUTH TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,679,000 | 83,595,000 | 82,825,000 | 84,082,000 |
| Total loans | 63,758,000 | 64,524,000 | 64,478,000 | 64,016,000 |
| Allowance for loan losses | 369,000 | 384,000 | 153,000 | 243,000 |
| Securities available for sale | 965,000 | 951,000 | 4,941,000 | 4,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,913,000 | 72,931,000 | 72,271,000 | 73,840,000 |
| Interest-bearing deposits | 57,885,000 | 57,888,000 | 56,780,000 | 58,625,000 |
| Noninterest-bearing deposits | 14,029,000 | 15,043,000 | 15,491,000 | 15,215,000 |
| Equity capital | 10,530,000 | 10,423,000 | 10,347,000 | 10,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,227,000 | 2,483,000 | 3,846,000 | 5,127,000 |
| Interest expense | 399,000 | 783,000 | 1,144,000 | 1,487,000 |
| Net interest income | 828,000 | 1,700,000 | 2,702,000 | 3,640,000 |
| Noninterest income | 94,000 | 161,000 | 314,000 | 393,000 |
| Noninterest expense | 976,000 | 1,984,000 | 3,047,000 | 4,145,000 |
| Provision for loan losses | 0 | 15,000 | 60,000 | 406,000 |
| Pretax income | -54,000 | -138,000 | -91,000 | -518,000 |
| Income tax | 0 | 0 | 0 | -182,000 |
| Net income | -54,000 | -138,000 | -91,000 | -336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,388,000 | 6,190,000 | 6,247,000 | 6,112,000 |
| Total capital | 6,757,000 | 6,574,000 | 6,400,000 | 6,355,000 |
| Risk-weighted assets | 65,044,000 | 65,082,000 | 63,752,000 | 62,861,000 |