Call reports 2024
BANK OF SOUTH TEXAS — 2024
What BANK OF SOUTH TEXAS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 169,993,000 | 164,622,000 | 163,870,000 | 160,794,000 |
| Total loans | 114,725,000 | 105,701,000 | 99,993,000 | 99,511,000 |
| Allowance for loan losses | 1,690,000 | 1,516,000 | 1,647,000 | 1,300,000 |
| Securities available for sale | 12,404,000 | 11,949,000 | 16,752,000 | 16,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,874,000 | 135,793,000 | 134,071,000 | 131,296,000 |
| Interest-bearing deposits | 89,079,000 | 85,141,000 | 84,309,000 | 81,122,000 |
| Noninterest-bearing deposits | 52,795,000 | 50,652,000 | 49,762,000 | 50,174,000 |
| Equity capital | 26,664,000 | 27,218,000 | 28,090,000 | 28,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,347,000 | 6,579,000 | 9,907,000 | 13,003,000 |
| Interest expense | 752,000 | 1,527,000 | 2,266,000 | 2,980,000 |
| Net interest income | 2,595,000 | 5,052,000 | 7,641,000 | 10,023,000 |
| Noninterest income | 206,000 | 408,000 | 601,000 | 801,000 |
| Noninterest expense | 1,913,000 | 3,849,000 | 5,820,000 | 7,670,000 |
| Provision for loan losses | 5,000 | -169,000 | -38,000 | -38,000 |
| Pretax income | 883,000 | 1,591,000 | 2,402,000 | 3,134,000 |
| Income tax | 185,000 | 331,000 | 493,000 | 644,000 |
| Net income | 698,000 | 1,260,000 | 1,909,000 | 2,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,291,000 | 23,852,000 | 24,502,000 | 25,084,000 |