Call reports 2016
BANK OF SOUTH TEXAS — 2016
What BANK OF SOUTH TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 110,115,000 | 115,670,000 | 121,230,000 | 125,214,000 |
| Total loans | 76,274,000 | 79,112,000 | 84,895,000 | 83,724,000 |
| Allowance for loan losses | 699,000 | 805,000 | 723,000 | 733,000 |
| Securities available for sale | 9,271,000 | 9,056,000 | 8,732,000 | 9,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,176,000 | 95,295,000 | 100,425,000 | 105,786,000 |
| Interest-bearing deposits | 65,642,000 | 70,361,000 | 74,641,000 | 80,395,000 |
| Noninterest-bearing deposits | 24,534,000 | 24,934,000 | 25,784,000 | 25,391,000 |
| Equity capital | 12,593,000 | 12,836,000 | 13,028,000 | 12,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,059,000 | 4,616,000 | 6,301,000 |
| Interest expense | 182,000 | 383,000 | 606,000 | 844,000 |
| Net interest income | 1,325,000 | 2,676,000 | 4,010,000 | 5,457,000 |
| Noninterest income | 217,000 | 560,000 | 667,000 | 925,000 |
| Noninterest expense | 1,297,000 | 2,726,000 | 3,936,000 | 5,412,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 245,000 | 510,000 | 741,000 | 970,000 |
| Income tax | 58,000 | 135,000 | 188,000 | 342,000 |
| Net income | 187,000 | 375,000 | 553,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,086,000 | 9,356,000 | 9,492,000 | 9,586,000 |
| Total capital | 9,785,000 | 10,161,000 | 10,215,000 | 10,319,000 |
| Risk-weighted assets | 79,690,000 | 80,999,000 | 82,922,000 | 83,893,000 |