Call reports 2010
BANK OF SOUTH TEXAS — 2010
What BANK OF SOUTH TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 83,148,000 | 79,124,000 | 77,231,000 | 76,526,000 |
| Total loans | 61,679,000 | 59,245,000 | 56,884,000 | 55,758,000 |
| Allowance for loan losses | 277,000 | 609,000 | 626,000 | 601,000 |
| Securities available for sale | 7,157,000 | 4,147,000 | 3,332,000 | 6,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,983,000 | 69,469,000 | 67,606,000 | 67,305,000 |
| Interest-bearing deposits | 58,574,000 | 54,540,000 | 51,656,000 | 50,974,000 |
| Noninterest-bearing deposits | 14,409,000 | 14,929,000 | 15,950,000 | 16,331,000 |
| Equity capital | 10,033,000 | 9,532,000 | 9,512,000 | 9,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,324,000 | 3,446,000 | 4,499,000 |
| Interest expense | 326,000 | 581,000 | 806,000 | 1,008,000 |
| Net interest income | 818,000 | 1,743,000 | 2,640,000 | 3,491,000 |
| Noninterest income | 138,000 | 261,000 | 406,000 | 484,000 |
| Noninterest expense | 998,000 | 2,050,000 | 3,101,000 | 4,289,000 |
| Provision for loan losses | 20,000 | 530,000 | 560,000 | 595,000 |
| Pretax income | -62,000 | -570,000 | -608,000 | -902,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -62,000 | -570,000 | -608,000 | -902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,057,000 | 5,287,000 | 5,273,000 | 4,973,000 |
| Total capital | 6,334,000 | 5,896,000 | 5,899,000 | 5,574,000 |
| Risk-weighted assets | 59,169,000 | 56,844,000 | 54,255,000 | 54,802,000 |