Call reports 2017
BANK OF SOUTH TEXAS — 2017
What BANK OF SOUTH TEXAS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 129,823,000 | 133,055,000 | 131,202,000 | 129,489,000 |
| Total loans | 91,120,000 | 92,220,000 | 97,691,000 | 98,443,000 |
| Allowance for loan losses | 777,000 | 839,000 | 856,000 | 882,000 |
| Securities available for sale | 11,899,000 | 13,143,000 | 11,933,000 | 11,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,945,000 | 118,752,000 | 116,391,000 | 115,036,000 |
| Interest-bearing deposits | 84,248,000 | 88,124,000 | 86,626,000 | 83,906,000 |
| Noninterest-bearing deposits | 27,697,000 | 30,629,000 | 29,765,000 | 31,130,000 |
| Equity capital | 13,166,000 | 13,477,000 | 13,696,000 | 13,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,690,000 | 3,515,000 | 5,431,000 | 7,311,000 |
| Interest expense | 254,000 | 540,000 | 828,000 | 1,094,000 |
| Net interest income | 1,436,000 | 2,975,000 | 4,603,000 | 6,217,000 |
| Noninterest income | 157,000 | 496,000 | 633,000 | 929,000 |
| Noninterest expense | 1,286,000 | 2,754,000 | 4,187,000 | 5,694,000 |
| Provision for loan losses | 34,000 | 91,000 | 91,000 | 91,000 |
| Pretax income | 273,000 | 626,000 | 958,000 | 1,361,000 |
| Income tax | 90,000 | 206,000 | 312,000 | 381,000 |
| Net income | 183,000 | 420,000 | 646,000 | 980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,769,000 | 10,007,000 | 10,216,000 | 10,566,000 |
| Total capital | 10,546,000 | 10,846,000 | 11,072,000 | 11,448,000 |
| Risk-weighted assets | 88,931,000 | 92,992,000 | 96,493,000 | 96,122,000 |