Call reports 2002
STATE BANK OF TEXAS, THE — 2002
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,073,000 | 82,507,000 | 84,312,000 | 84,649,000 |
| Total loans | 47,384,000 | 48,028,000 | 47,738,000 | 49,913,000 |
| Allowance for loan losses | 457,000 | 402,000 | 431,000 | 391,000 |
| Securities available for sale | 10,636,000 | 9,650,000 | 11,077,000 | 12,210,000 |
| Securities held to maturity | 13,451,000 | 11,992,000 | 10,959,000 | 9,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,923,000 | 75,100,000 | 76,858,000 | 77,132,000 |
| Interest-bearing deposits | 57,153,000 | 51,695,000 | 57,713,000 | 58,955,000 |
| Noninterest-bearing deposits | 19,770,000 | 23,405,000 | 19,145,000 | 18,177,000 |
| Equity capital | 6,917,000 | 7,120,000 | 7,190,000 | 7,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,371,000 | 3,612,000 | 4,734,000 |
| Interest expense | 331,000 | 643,000 | 1,002,000 | 1,376,000 |
| Net interest income | 868,000 | 1,728,000 | 2,610,000 | 3,358,000 |
| Noninterest income | 114,000 | 240,000 | 362,000 | 487,000 |
| Noninterest expense | 759,000 | 1,568,000 | 2,420,000 | 3,217,000 |
| Provision for loan losses | 32,000 | 63,000 | 95,000 | 120,000 |
| Pretax income | 191,000 | 337,000 | 457,000 | 508,000 |
| Income tax | 65,000 | 115,000 | 155,000 | 173,000 |
| Net income | 126,000 | 222,000 | 302,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,870,000 | 6,999,000 | 7,079,000 | 7,112,000 |
| Total capital | 7,327,000 | 7,401,000 | 7,510,000 | 7,503,000 |
| Risk-weighted assets | 46,335,000 | 47,052,000 | 47,653,000 | 49,327,000 |