Call reports 2015
STATE BANK OF TEXAS, THE — 2015
What STATE BANK OF TEXAS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 165,774,000 | 178,494,000 | 174,556,000 | 166,262,000 |
| Total loans | 88,970,000 | 90,077,000 | 93,299,000 | 94,391,000 |
| Allowance for loan losses | 652,000 | 652,000 | 652,000 | 652,000 |
| Securities available for sale | 294,000 | 272,000 | 260,000 | 248,000 |
| Securities held to maturity | 54,791,000 | 53,124,000 | 53,087,000 | 43,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,500,000 | 163,143,000 | 158,939,000 | 150,303,000 |
| Interest-bearing deposits | 102,188,000 | 102,319,000 | 101,612,000 | 101,508,000 |
| Noninterest-bearing deposits | 48,312,000 | 60,824,000 | 57,327,000 | 48,795,000 |
| Equity capital | 14,800,000 | 14,950,000 | 15,141,000 | 15,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,446,000 | 3,760,000 | 4,984,000 |
| Interest expense | 108,000 | 219,000 | 330,000 | 441,000 |
| Net interest income | 1,099,000 | 2,227,000 | 3,430,000 | 4,543,000 |
| Noninterest income | 65,000 | 124,000 | 187,000 | 269,000 |
| Noninterest expense | 937,000 | 1,894,000 | 2,866,000 | 3,889,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 227,000 | 457,000 | 751,000 | 923,000 |
| Income tax | 77,000 | 156,000 | 259,000 | 160,000 |
| Net income | 150,000 | 301,000 | 492,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,786,000 | 14,936,000 | 15,128,000 | 15,398,000 |
| Total capital | 15,438,000 | 15,588,000 | 15,780,000 | 16,050,000 |
| Risk-weighted assets | 64,331,000 | 79,284,000 | 77,719,000 | 73,458,000 |