Call reports 2008
STATE BANK OF TEXAS, THE — 2008
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 174,776,000 | 152,720,000 | 150,759,000 | 144,180,000 |
| Total loans | 64,379,000 | 63,222,000 | 64,421,000 | 72,665,000 |
| Allowance for loan losses | 417,000 | 421,000 | 422,000 | 442,000 |
| Securities available for sale | 7,125,000 | 8,191,000 | 8,235,000 | 8,246,000 |
| Securities held to maturity | 24,313,000 | 29,500,000 | 25,348,000 | 32,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,727,000 | 141,692,000 | 139,491,000 | 132,733,000 |
| Interest-bearing deposits | 136,826,000 | 114,802,000 | 113,066,000 | 103,505,000 |
| Noninterest-bearing deposits | 26,901,000 | 26,890,000 | 26,426,000 | 29,228,000 |
| Equity capital | 10,589,000 | 10,648,000 | 10,858,000 | 11,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,026,000 | 4,089,000 | 6,002,000 | 7,799,000 |
| Interest expense | 894,000 | 1,755,000 | 2,558,000 | 3,295,000 |
| Net interest income | 1,132,000 | 2,334,000 | 3,444,000 | 4,504,000 |
| Noninterest income | 135,000 | 285,000 | 455,000 | 643,000 |
| Noninterest expense | 945,000 | 1,967,000 | 3,038,000 | 4,070,000 |
| Provision for loan losses | 8,000 | 16,000 | 19,000 | 39,000 |
| Pretax income | 314,000 | 636,000 | 842,000 | 1,038,000 |
| Income tax | 107,000 | 215,000 | 286,000 | 353,000 |
| Net income | 207,000 | 421,000 | 556,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,573,000 | 10,786,000 | 10,921,000 | 11,050,000 |
| Total capital | 10,990,000 | 11,207,000 | 11,343,000 | 11,492,000 |
| Risk-weighted assets | 77,162,000 | 73,263,000 | 74,494,000 | 76,519,000 |