Call reports 2011
BANK OF SOUTH TEXAS — 2011
What BANK OF SOUTH TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,290,000 | 75,079,000 | 77,770,000 | 76,652,000 |
| Total loans | 51,689,000 | 50,610,000 | 50,610,000 | 51,810,000 |
| Allowance for loan losses | 668,000 | 515,000 | 471,000 | 524,000 |
| Securities available for sale | 10,321,000 | 12,548,000 | 12,322,000 | 10,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,725,000 | 64,206,000 | 66,668,000 | 65,608,000 |
| Interest-bearing deposits | 49,695,000 | 48,832,000 | 49,989,000 | 49,451,000 |
| Noninterest-bearing deposits | 17,030,000 | 15,374,000 | 16,679,000 | 16,157,000 |
| Equity capital | 10,513,000 | 10,777,000 | 10,855,000 | 10,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,049,000 | 3,057,000 | 4,076,000 |
| Interest expense | 182,000 | 358,000 | 531,000 | 699,000 |
| Net interest income | 870,000 | 1,691,000 | 2,526,000 | 3,377,000 |
| Noninterest income | 64,000 | 167,000 | 193,000 | 305,000 |
| Noninterest expense | 952,000 | 1,914,000 | 2,836,000 | 3,721,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 48,000 |
| Pretax income | -18,000 | 2,000 | -16,000 | 41,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | 2,000 | -16,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,328,000 | 6,540,000 | 6,644,000 | 6,709,000 |
| Total capital | 6,979,000 | 7,055,000 | 7,115,000 | 7,233,000 |
| Risk-weighted assets | 52,016,000 | 51,716,000 | 51,465,000 | 51,376,000 |