Call reports 2004
STATE BANK OF TEXAS, THE — 2004
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 93,937,000 | 96,095,000 | 94,301,000 | 92,419,000 |
| Total loans | 52,851,000 | 51,324,000 | 52,418,000 | 54,545,000 |
| Allowance for loan losses | 405,000 | 436,000 | 411,000 | 443,000 |
| Securities available for sale | 14,957,000 | 16,769,000 | 16,476,000 | 15,899,000 |
| Securities held to maturity | 8,071,000 | 12,546,000 | 11,720,000 | 11,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,119,000 | 88,542,000 | 86,266,000 | 84,453,000 |
| Interest-bearing deposits | 65,312,000 | 64,016,000 | 61,836,000 | 60,713,000 |
| Noninterest-bearing deposits | 20,807,000 | 24,526,000 | 24,430,000 | 23,740,000 |
| Equity capital | 7,591,000 | 7,360,000 | 7,751,000 | 7,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,321,000 | 3,557,000 | 4,859,000 |
| Interest expense | 331,000 | 661,000 | 1,009,000 | 1,376,000 |
| Net interest income | 812,000 | 1,660,000 | 2,548,000 | 3,483,000 |
| Noninterest income | 120,000 | 229,000 | 347,000 | 507,000 |
| Noninterest expense | 792,000 | 1,614,000 | 2,410,000 | 3,226,000 |
| Provision for loan losses | 31,000 | 63,000 | 95,000 | 126,000 |
| Pretax income | 109,000 | 212,000 | 390,000 | 638,000 |
| Income tax | 37,000 | 72,000 | 133,000 | 217,000 |
| Net income | 72,000 | 140,000 | 257,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,475,000 | 7,543,000 | 7,660,000 | 7,661,000 |
| Total capital | 7,880,000 | 7,979,000 | 8,071,000 | 8,104,000 |
| Risk-weighted assets | 53,081,000 | 53,538,000 | 54,197,000 | 56,256,000 |