Call reports 2013
BANK OF SOUTH TEXAS — 2013
What BANK OF SOUTH TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 77,641,000 | 74,015,000 | 76,082,000 | 78,738,000 |
| Total loans | 50,531,000 | 50,727,000 | 52,412,000 | 50,192,000 |
| Allowance for loan losses | 558,000 | 547,000 | 560,000 | 572,000 |
| Securities available for sale | 12,311,000 | 11,637,000 | 11,502,000 | 11,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,582,000 | 63,048,000 | 64,733,000 | 62,799,000 |
| Interest-bearing deposits | 47,229,000 | 43,693,000 | 42,268,000 | 43,112,000 |
| Noninterest-bearing deposits | 19,353,000 | 19,355,000 | 22,465,000 | 19,687,000 |
| Equity capital | 10,848,000 | 10,631,000 | 10,857,000 | 10,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,889,000 | 2,890,000 | 3,850,000 |
| Interest expense | 123,000 | 229,000 | 322,000 | 410,000 |
| Net interest income | 802,000 | 1,660,000 | 2,568,000 | 3,440,000 |
| Noninterest income | 0 | 88,000 | 203,000 | 326,000 |
| Noninterest expense | 953,000 | 1,851,000 | 2,730,000 | 3,659,000 |
| Provision for loan losses | -54,000 | -84,000 | -84,000 | -84,000 |
| Pretax income | -46,000 | 32,000 | 176,000 | 242,000 |
| Income tax | 0 | 0 | 0 | 39,000 |
| Net income | -46,000 | 32,000 | 176,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,758,000 | 6,690,000 | 6,879,000 | 6,906,000 |
| Total capital | 7,316,000 | 7,237,000 | 7,439,000 | 7,478,000 |
| Risk-weighted assets | 49,148,000 | 48,534,000 | 51,077,000 | 50,371,000 |