Call reports 2022
BANK OF SOUTH TEXAS — 2022
What BANK OF SOUTH TEXAS reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 142,453,000 | 144,820,000 | 153,365,000 | 155,610,000 |
| Total loans | 101,804,000 | 107,304,000 | 115,478,000 | 117,676,000 |
| Allowance for loan losses | 1,350,000 | 1,385,000 | 1,490,000 | 1,620,000 |
| Securities available for sale | 3,943,000 | 5,736,000 | 5,446,000 | 5,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,160,000 | 121,971,000 | 129,769,000 | 131,612,000 |
| Interest-bearing deposits | 69,478,000 | 73,647,000 | 73,022,000 | 80,066,000 |
| Noninterest-bearing deposits | 50,682,000 | 48,324,000 | 56,747,000 | 51,546,000 |
| Equity capital | 21,094,000 | 21,640,000 | 22,176,000 | 22,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,748,000 | 7,493,000 | 10,347,000 |
| Interest expense | 119,000 | 263,000 | 432,000 | 635,000 |
| Net interest income | 2,211,000 | 4,485,000 | 7,061,000 | 9,712,000 |
| Noninterest income | 212,000 | 434,000 | 653,000 | 876,000 |
| Noninterest expense | 1,665,000 | 3,353,000 | 5,181,000 | 7,039,000 |
| Provision for loan losses | 25,000 | 60,000 | 165,000 | 295,000 |
| Pretax income | 733,000 | 1,506,000 | 2,368,000 | 3,254,000 |
| Income tax | 131,000 | 287,000 | 465,000 | 649,000 |
| Net income | 602,000 | 1,219,000 | 1,903,000 | 2,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,674,000 | 18,291,000 | 18,974,000 | 19,676,000 |
| Total capital | 18,831,000 | 19,408,000 | 20,153,000 | — |
| Risk-weighted assets | 92,400,000 | 89,101,000 | 94,047,000 | — |