Call reports 2012
BANK OF SOUTH TEXAS — 2012
What BANK OF SOUTH TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 78,046,000 | 77,477,000 | 77,326,000 | 77,335,000 |
| Total loans | 50,517,000 | 51,815,000 | 51,355,000 | 50,377,000 |
| Allowance for loan losses | 525,000 | 587,000 | 588,000 | 600,000 |
| Securities available for sale | 11,494,000 | 11,374,000 | 10,968,000 | 9,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,062,000 | 66,363,000 | 65,990,000 | 66,186,000 |
| Interest-bearing deposits | 50,281,000 | 48,356,000 | 48,797,000 | 47,063,000 |
| Noninterest-bearing deposits | 16,781,000 | 18,007,000 | 17,193,000 | 19,123,000 |
| Equity capital | 10,855,000 | 10,911,000 | 11,021,000 | 10,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,048,000 | 2,050,000 | 3,036,000 | 4,018,000 |
| Interest expense | 159,000 | 306,000 | 448,000 | 581,000 |
| Net interest income | 889,000 | 1,744,000 | 2,588,000 | 3,437,000 |
| Noninterest income | 75,000 | 174,000 | 235,000 | 367,000 |
| Noninterest expense | 920,000 | 1,857,000 | 2,801,000 | 3,788,000 |
| Provision for loan losses | 84,000 | 84,000 | -16,000 | -16,000 |
| Pretax income | -40,000 | 17,000 | 78,000 | 85,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -40,000 | 17,000 | 78,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,690,000 | 6,755,000 | 6,849,000 | 6,842,000 |
| Total capital | 7,215,000 | 7,342,000 | 7,437,000 | 7,442,000 |
| Risk-weighted assets | 51,765,000 | 52,261,000 | 50,530,000 | 48,837,000 |