Call reports 2018
BANK OF SOUTH TEXAS — 2018
What BANK OF SOUTH TEXAS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 130,661,000 | 132,596,000 | 136,359,000 | 132,749,000 |
| Total loans | 101,606,000 | 102,454,000 | 104,591,000 | 101,211,000 |
| Allowance for loan losses | 892,000 | 894,000 | 915,000 | 911,000 |
| Securities available for sale | 11,175,000 | 10,933,000 | 10,645,000 | 10,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,838,000 | 98,656,000 | 117,564,000 | 115,479,000 |
| Interest-bearing deposits | 73,324,000 | 66,094,000 | 88,409,000 | 84,116,000 |
| Noninterest-bearing deposits | 32,514,000 | 32,562,000 | 29,155,000 | 31,363,000 |
| Equity capital | 14,107,000 | 14,672,000 | 15,064,000 | 15,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,911,000 | 4,059,000 | 6,220,000 | 8,352,000 |
| Interest expense | 243,000 | 518,000 | 893,000 | 1,289,000 |
| Net interest income | 1,668,000 | 3,541,000 | 5,327,000 | 7,063,000 |
| Noninterest income | 281,000 | 717,000 | 1,007,000 | 1,307,000 |
| Noninterest expense | 1,564,000 | 3,159,000 | 4,668,000 | 6,137,000 |
| Provision for loan losses | 0 | 0 | 21,000 | 21,000 |
| Pretax income | 385,000 | 1,099,000 | 1,645,000 | 2,212,000 |
| Income tax | 73,000 | 215,000 | 322,000 | 433,000 |
| Net income | 312,000 | 884,000 | 1,323,000 | 1,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,880,000 | 11,451,000 | 11,890,000 | 12,346,000 |
| Total capital | 11,772,000 | 12,345,000 | 12,805,000 | 13,257,000 |
| Risk-weighted assets | 99,063,000 | 98,323,000 | 102,222,000 | 97,961,000 |