Call reports 2006
STATE BANK OF TEXAS, THE — 2006
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,375,000 | 126,313,000 | 109,265,000 | 160,977,000 |
| Total loans | 53,968,000 | 53,687,000 | 56,652,000 | 57,881,000 |
| Allowance for loan losses | 504,000 | 501,000 | 534,000 | 478,000 |
| Securities available for sale | 14,211,000 | 13,840,000 | 13,763,000 | 13,717,000 |
| Securities held to maturity | 18,777,000 | 18,437,000 | 18,020,000 | 17,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,698,000 | 117,455,000 | 100,023,000 | 151,414,000 |
| Interest-bearing deposits | 81,682,000 | 92,369,000 | 74,147,000 | 127,016,000 |
| Noninterest-bearing deposits | 24,016,000 | 25,086,000 | 25,876,000 | 24,398,000 |
| Equity capital | 8,401,000 | 8,655,000 | 8,997,000 | 9,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,532,000 | 5,417,000 | 7,796,000 |
| Interest expense | 561,000 | 1,311,000 | 2,039,000 | 3,181,000 |
| Net interest income | 1,052,000 | 2,221,000 | 3,378,000 | 4,615,000 |
| Noninterest income | 153,000 | 354,000 | 532,000 | 711,000 |
| Noninterest expense | 833,000 | 1,777,000 | 2,703,000 | 3,740,000 |
| Provision for loan losses | 31,000 | 52,000 | 84,000 | 105,000 |
| Pretax income | 341,000 | 746,000 | 1,123,000 | 1,481,000 |
| Income tax | 116,000 | 254,000 | 382,000 | 504,000 |
| Net income | 225,000 | 492,000 | 741,000 | 977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,566,000 | 8,921,000 | 9,169,000 | 9,405,000 |
| Total capital | 9,070,000 | 9,422,000 | 9,702,000 | 9,883,000 |
| Risk-weighted assets | 58,985,000 | 61,463,000 | 61,605,000 | 72,004,000 |