Call reports 2019
BANK OF SOUTH TEXAS — 2019
What BANK OF SOUTH TEXAS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 133,071,000 | 139,882,000 | 138,027,000 | 137,980,000 |
| Total loans | 97,093,000 | 99,068,000 | 97,079,000 | 96,446,000 |
| Allowance for loan losses | 930,000 | 843,000 | 880,000 | 932,000 |
| Securities available for sale | 9,570,000 | 9,451,000 | 8,263,000 | 8,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,940,000 | 122,211,000 | 119,612,000 | 119,633,000 |
| Interest-bearing deposits | 81,038,000 | 87,317,000 | 79,837,000 | 82,382,000 |
| Noninterest-bearing deposits | 32,903,000 | 34,894,000 | 39,775,000 | 37,251,000 |
| Equity capital | 16,177,000 | 16,652,000 | 17,192,000 | 17,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,193,000 | 6,448,000 | 8,533,000 |
| Interest expense | 345,000 | 747,000 | 1,162,000 | 1,551,000 |
| Net interest income | 1,724,000 | 3,446,000 | 5,286,000 | 6,982,000 |
| Noninterest income | 304,000 | 668,000 | 1,012,000 | 1,504,000 |
| Noninterest expense | 1,483,000 | 3,025,000 | 4,524,000 | 6,159,000 |
| Provision for loan losses | 19,000 | 59,000 | 96,000 | 143,000 |
| Pretax income | 526,000 | 1,030,000 | 1,678,000 | 2,184,000 |
| Income tax | 99,000 | 198,000 | 326,000 | 418,000 |
| Net income | 427,000 | 832,000 | 1,352,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,773,000 | 13,178,000 | 13,698,000 | 14,110,000 |
| Total capital | 13,703,000 | 14,021,000 | 14,578,000 | 15,042,000 |
| Risk-weighted assets | 94,995,000 | 97,338,000 | 94,994,000 | 96,931,000 |