Call reports 2014
BANK OF SOUTH TEXAS — 2014
What BANK OF SOUTH TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 77,205,000 | 81,636,000 | 85,715,000 | 92,385,000 |
| Total loans | 53,732,000 | 56,872,000 | 59,186,000 | 62,438,000 |
| Allowance for loan losses | 616,000 | 635,000 | 624,000 | 617,000 |
| Securities available for sale | 11,070,000 | 10,977,000 | 10,706,000 | 10,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,468,000 | 63,004,000 | 65,859,000 | 71,251,000 |
| Interest-bearing deposits | 42,354,000 | 44,132,000 | 45,964,000 | 50,520,000 |
| Noninterest-bearing deposits | 19,114,000 | 18,872,000 | 19,895,000 | 20,731,000 |
| Equity capital | 10,986,000 | 11,262,000 | 11,331,000 | 11,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 2,060,000 | 3,162,000 | 4,354,000 |
| Interest expense | 85,000 | 176,000 | 279,000 | 395,000 |
| Net interest income | 905,000 | 1,884,000 | 2,883,000 | 3,959,000 |
| Noninterest income | 67,000 | 186,000 | 310,000 | 479,000 |
| Noninterest expense | 866,000 | 1,784,000 | 2,747,000 | 3,771,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 10,000 |
| Pretax income | 106,000 | 286,000 | 441,000 | 657,000 |
| Income tax | 0 | 0 | 80,000 | 223,000 |
| Net income | 106,000 | 286,000 | 361,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,058,000 | 7,570,000 | 7,650,000 | 8,504,000 |
| Total capital | 7,674,000 | 8,205,000 | 8,274,000 | 9,121,000 |
| Risk-weighted assets | 51,681,000 | 54,396,000 | 57,092,000 | 62,170,000 |