Call reports 2005
STATE BANK OF TEXAS, THE — 2005
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 91,916,000 | 98,408,000 | 101,543,000 | 98,889,000 |
| Total loans | 52,612,000 | 53,063,000 | 54,006,000 | 53,405,000 |
| Allowance for loan losses | 455,000 | 462,000 | 490,000 | 472,000 |
| Securities available for sale | 15,318,000 | 15,148,000 | 14,726,000 | 14,409,000 |
| Securities held to maturity | 11,141,000 | 16,378,000 | 15,982,000 | 19,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,102,000 | 90,425,000 | 93,256,000 | 90,402,000 |
| Interest-bearing deposits | 60,553,000 | 61,367,000 | 68,905,000 | 65,344,000 |
| Noninterest-bearing deposits | 23,549,000 | 29,058,000 | 24,351,000 | 25,058,000 |
| Equity capital | 7,630,000 | 7,842,000 | 8,088,000 | 8,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,615,000 | 4,107,000 | 5,580,000 |
| Interest expense | 379,000 | 767,000 | 1,235,000 | 1,695,000 |
| Net interest income | 890,000 | 1,848,000 | 2,872,000 | 3,885,000 |
| Noninterest income | 119,000 | 255,000 | 397,000 | 538,000 |
| Noninterest expense | 838,000 | 1,686,000 | 2,561,000 | 3,404,000 |
| Provision for loan losses | 21,000 | 53,000 | 84,000 | 105,000 |
| Pretax income | 150,000 | 364,000 | 624,000 | 914,000 |
| Income tax | 51,000 | 124,000 | 212,000 | 311,000 |
| Net income | 99,000 | 240,000 | 412,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,760,000 | 7,901,000 | 8,181,000 | 8,369,000 |
| Total capital | 8,215,000 | 8,363,000 | 8,671,000 | 8,841,000 |
| Risk-weighted assets | 55,265,000 | 57,106,000 | 57,272,000 | 55,573,000 |