Call reports 2020
BANK OF SOUTH TEXAS — 2020
What BANK OF SOUTH TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 139,417,000 | 145,171,000 | 136,153,000 | 137,087,000 |
| Total loans | 92,309,000 | 86,816,000 | 82,758,000 | 85,939,000 |
| Allowance for loan losses | 932,000 | 935,000 | 938,000 | 941,000 |
| Securities available for sale | 7,397,000 | 7,340,000 | 6,433,000 | 6,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,840,000 | 125,917,000 | 116,565,000 | 117,488,000 |
| Interest-bearing deposits | 80,509,000 | 80,850,000 | 71,825,000 | 71,686,000 |
| Noninterest-bearing deposits | 40,331,000 | 45,067,000 | 44,740,000 | 45,802,000 |
| Equity capital | 17,746,000 | 18,173,000 | 18,348,000 | 18,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,045,000 | 4,089,000 | 6,012,000 | 8,059,000 |
| Interest expense | 371,000 | 748,000 | 1,068,000 | 1,328,000 |
| Net interest income | 1,674,000 | 3,341,000 | 4,944,000 | 6,731,000 |
| Noninterest income | 328,000 | 603,000 | 847,000 | 1,059,000 |
| Noninterest expense | 1,589,000 | 3,146,000 | 4,788,000 | 6,280,000 |
| Provision for loan losses | 269,000 | 270,000 | 270,000 | 270,000 |
| Pretax income | 144,000 | 528,000 | 733,000 | 1,240,000 |
| Income tax | 35,000 | 108,000 | 140,000 | 230,000 |
| Net income | 109,000 | 420,000 | 593,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,221,000 | 14,533,000 | 14,705,000 | 15,122,000 |