Call reports 2012
LONE STAR STATE BANK OF WEST TEXAS — 2012
What LONE STAR STATE BANK OF WEST TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 438,083,000 | 468,830,000 | 483,301,000 | 519,695,000 |
| Total loans | 350,828,000 | 395,936,000 | 412,837,000 | 415,281,000 |
| Allowance for loan losses | 5,298,000 | 5,631,000 | 5,881,000 | 6,203,000 |
| Securities available for sale | 36,520,000 | 36,140,000 | 31,167,000 | 42,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,479,000 | 404,771,000 | 406,532,000 | 456,325,000 |
| Interest-bearing deposits | 282,930,000 | 286,725,000 | 280,289,000 | 298,491,000 |
| Noninterest-bearing deposits | 107,549,000 | 118,046,000 | 126,243,000 | 157,834,000 |
| Equity capital | 47,095,000 | 47,325,000 | 60,758,000 | 62,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,712,000 | 9,809,000 | 15,332,000 | 20,950,000 |
| Interest expense | 646,000 | 1,250,000 | 1,835,000 | 2,378,000 |
| Net interest income | 4,066,000 | 8,559,000 | 13,497,000 | 18,572,000 |
| Noninterest income | 173,000 | 347,000 | 529,000 | 655,000 |
| Noninterest expense | 2,590,000 | 5,260,000 | 8,042,000 | 11,027,000 |
| Provision for loan losses | 292,000 | 584,000 | 877,000 | 1,197,000 |
| Pretax income | 1,357,000 | 3,062,000 | 5,107,000 | 7,003,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,357,000 | 3,062,000 | 5,107,000 | 7,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,419,000 | 36,672,000 | 50,163,000 | 51,832,000 |
| Total capital | 41,307,000 | 42,051,000 | 55,659,000 | 57,469,000 |
| Risk-weighted assets | 390,619,000 | 430,075,000 | 439,323,000 | 450,407,000 |