Call reports 2003
STATE BANK OF TEXAS, THE — 2003
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 84,618,000 | 91,950,000 | 90,604,000 | 90,433,000 |
| Total loans | 49,303,000 | 50,738,000 | 52,285,000 | 53,696,000 |
| Allowance for loan losses | 422,000 | 455,000 | 483,000 | 380,000 |
| Securities available for sale | 10,565,000 | 12,383,000 | 9,561,000 | 14,603,000 |
| Securities held to maturity | 7,846,000 | 12,797,000 | 10,553,000 | 9,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,051,000 | 84,390,000 | 83,049,000 | 82,768,000 |
| Interest-bearing deposits | 58,611,000 | 62,800,000 | 62,560,000 | 61,651,000 |
| Noninterest-bearing deposits | 18,440,000 | 21,590,000 | 20,489,000 | 21,117,000 |
| Equity capital | 7,324,000 | 7,341,000 | 7,350,000 | 7,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,261,000 | 3,394,000 | 4,511,000 |
| Interest expense | 347,000 | 699,000 | 1,046,000 | 1,386,000 |
| Net interest income | 763,000 | 1,562,000 | 2,348,000 | 3,125,000 |
| Noninterest income | 123,000 | 252,000 | 382,000 | 503,000 |
| Noninterest expense | 750,000 | 1,519,000 | 2,300,000 | 3,097,000 |
| Provision for loan losses | 31,000 | 63,000 | 94,000 | 126,000 |
| Pretax income | 105,000 | 232,000 | 336,000 | 405,000 |
| Income tax | 36,000 | 79,000 | 115,000 | 138,000 |
| Net income | 69,000 | 153,000 | 221,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,181,000 | 7,265,000 | 7,333,000 | 7,379,000 |
| Total capital | 7,603,000 | 7,720,000 | 7,816,000 | 7,759,000 |
| Risk-weighted assets | 49,876,000 | 51,057,000 | 52,058,000 | 52,398,000 |