Call reports 2007
STATE BANK OF TEXAS, THE — 2007
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,547,000 | 131,585,000 | 131,421,000 | 170,171,000 |
| Total loans | 57,441,000 | 54,172,000 | 54,674,000 | 61,344,000 |
| Allowance for loan losses | 431,000 | 484,000 | 413,000 | 409,000 |
| Securities available for sale | 13,633,000 | 13,404,000 | 13,376,000 | 11,369,000 |
| Securities held to maturity | 17,411,000 | 22,431,000 | 18,794,000 | 27,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,629,000 | 121,565,000 | 120,981,000 | 159,465,000 |
| Interest-bearing deposits | 127,157,000 | 93,830,000 | 95,754,000 | 129,806,000 |
| Noninterest-bearing deposits | 27,472,000 | 27,735,000 | 25,227,000 | 29,659,000 |
| Equity capital | 9,558,000 | 9,786,000 | 10,144,000 | 10,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 4,976,000 | 7,236,000 | 9,484,000 |
| Interest expense | 1,272,000 | 2,407,000 | 3,407,000 | 4,344,000 |
| Net interest income | 1,290,000 | 2,569,000 | 3,829,000 | 5,140,000 |
| Noninterest income | 254,000 | 430,000 | 645,000 | 763,000 |
| Noninterest expense | 991,000 | 1,980,000 | 3,024,000 | 4,131,000 |
| Provision for loan losses | 134,000 | 190,000 | 211,000 | 211,000 |
| Pretax income | 419,000 | 829,000 | 1,239,000 | 1,561,000 |
| Income tax | 143,000 | 282,000 | 422,000 | 531,000 |
| Net income | 276,000 | 547,000 | 817,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,652,000 | 9,922,000 | 10,193,000 | 10,406,000 |
| Total capital | 10,083,000 | 10,406,000 | 10,606,000 | 10,815,000 |
| Risk-weighted assets | 72,455,000 | 63,625,000 | 61,707,000 | 74,665,000 |