Call reports 2009
STATE BANK OF TEXAS, THE — 2009
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 170,210,000 | 179,224,000 | 165,827,000 | 182,105,000 |
| Total loans | 72,843,000 | 74,980,000 | 77,546,000 | 86,683,000 |
| Allowance for loan losses | 462,000 | 462,000 | 459,000 | 678,000 |
| Securities available for sale | 7,215,000 | 7,124,000 | 7,112,000 | 1,637,000 |
| Securities held to maturity | 35,854,000 | 39,250,000 | 36,090,000 | 25,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,627,000 | 167,528,000 | 153,913,000 | 169,954,000 |
| Interest-bearing deposits | 130,376,000 | 140,558,000 | 127,352,000 | 141,621,000 |
| Noninterest-bearing deposits | 28,251,000 | 26,970,000 | 26,561,000 | 28,333,000 |
| Equity capital | 11,118,000 | 11,204,000 | 11,401,000 | 11,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,632,000 | 5,493,000 | 7,348,000 |
| Interest expense | 700,000 | 1,395,000 | 2,041,000 | 2,609,000 |
| Net interest income | 1,095,000 | 2,237,000 | 3,452,000 | 4,739,000 |
| Noninterest income | 199,000 | 340,000 | 482,000 | 644,000 |
| Noninterest expense | 1,002,000 | 2,142,000 | 3,260,000 | 4,371,000 |
| Provision for loan losses | 57,000 | 57,000 | 89,000 | 426,000 |
| Pretax income | 235,000 | 378,000 | 585,000 | 586,000 |
| Income tax | 80,000 | 129,000 | 199,000 | 187,000 |
| Net income | 155,000 | 249,000 | 386,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,163,000 | 11,258,000 | 11,394,000 | 11,624,000 |
| Total capital | 11,625,000 | 11,720,000 | 11,853,000 | 12,302,000 |
| Risk-weighted assets | 79,696,000 | 84,717,000 | 83,858,000 | 90,453,000 |