Call reports 2023
BANK OF SOUTH TEXAS — 2023
What BANK OF SOUTH TEXAS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 164,039,000 | 166,331,000 | 163,213,000 | 169,830,000 |
| Total loans | 113,226,000 | 109,971,000 | 109,030,000 | 114,185,000 |
| Allowance for loan losses | 1,663,000 | 1,685,000 | 1,685,000 | 1,685,000 |
| Securities available for sale | 5,423,000 | 5,315,000 | 11,728,000 | 11,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,998,000 | 140,588,000 | 136,633,000 | 142,608,000 |
| Interest-bearing deposits | 86,716,000 | 87,068,000 | 84,739,000 | 90,272,000 |
| Noninterest-bearing deposits | 52,282,000 | 53,520,000 | 51,894,000 | 52,336,000 |
| Equity capital | 23,659,000 | 24,352,000 | 25,002,000 | 26,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,868,000 | 6,000,000 | 9,219,000 | 12,573,000 |
| Interest expense | 393,000 | 917,000 | 1,491,000 | 2,176,000 |
| Net interest income | 2,475,000 | 5,083,000 | 7,728,000 | 10,397,000 |
| Noninterest income | 240,000 | 460,000 | 680,000 | 904,000 |
| Noninterest expense | 1,870,000 | 3,775,000 | 5,690,000 | 7,624,000 |
| Provision for loan losses | 10,000 | 32,000 | 32,000 | 32,000 |
| Pretax income | 835,000 | 1,736,000 | 2,686,000 | 3,645,000 |
| Income tax | 173,000 | 360,000 | 557,000 | 756,000 |
| Net income | 662,000 | 1,376,000 | 2,129,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,339,000 | 21,053,000 | 21,805,000 | 22,566,000 |