Call reports 2015
BANK OF SOUTH TEXAS — 2015
What BANK OF SOUTH TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,955,000 | 94,134,000 | 104,935,000 | 108,780,000 |
| Total loans | 65,157,000 | 66,442,000 | 73,332,000 | 80,549,000 |
| Allowance for loan losses | 630,000 | 639,000 | 681,000 | 709,000 |
| Securities available for sale | 10,382,000 | 9,974,000 | 9,773,000 | 9,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,598,000 | 74,602,000 | 82,954,000 | 86,901,000 |
| Interest-bearing deposits | 52,710,000 | 53,222,000 | 59,737,000 | 63,952,000 |
| Noninterest-bearing deposits | 21,888,000 | 21,379,000 | 23,217,000 | 22,949,000 |
| Equity capital | 12,074,000 | 12,116,000 | 12,408,000 | 12,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,411,000 | 3,891,000 | 5,365,000 |
| Interest expense | 125,000 | 258,000 | 406,000 | 580,000 |
| Net interest income | 1,049,000 | 2,153,000 | 3,485,000 | 4,785,000 |
| Noninterest income | 169,000 | 364,000 | 504,000 | 719,000 |
| Noninterest expense | 1,058,000 | 2,212,000 | 3,430,000 | 4,753,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 55,000 |
| Pretax income | 160,000 | 305,000 | 524,000 | 696,000 |
| Income tax | 42,000 | 71,000 | 71,000 | 71,000 |
| Net income | 118,000 | 234,000 | 453,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,630,000 | 8,436,000 | 8,715,000 | 8,839,000 |
| Total capital | 9,260,000 | 9,075,000 | 9,396,000 | 9,548,000 |
| Risk-weighted assets | 66,650,000 | 65,114,000 | 71,481,000 | 79,361,000 |