Call reports 2015
LONE STAR STATE BANK OF WEST TEXAS — 2015
What LONE STAR STATE BANK OF WEST TEXAS 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 | 806,709,000 | 789,776,000 | 776,683,000 | 784,112,000 |
| Total loans | 613,355,000 | 651,318,000 | 668,483,000 | 637,768,000 |
| Allowance for loan losses | 7,827,000 | 8,501,000 | 9,514,000 | 7,164,000 |
| Securities available for sale | 43,505,000 | 38,383,000 | 38,382,000 | 29,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,423,000 | 696,670,000 | 683,023,000 | 688,590,000 |
| Interest-bearing deposits | 536,964,000 | 518,675,000 | 505,212,000 | 501,820,000 |
| Noninterest-bearing deposits | 176,459,000 | 177,995,000 | 177,811,000 | 186,770,000 |
| Equity capital | 91,895,000 | 90,827,000 | 91,635,000 | 93,911,000 |
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 | 7,383,000 | 15,136,000 | 23,218,000 | 31,257,000 |
| Interest expense | 918,000 | 1,928,000 | 2,983,000 | 3,990,000 |
| Net interest income | 6,465,000 | 13,208,000 | 20,235,000 | 27,267,000 |
| Noninterest income | 271,000 | 559,000 | 857,000 | 1,129,000 |
| Noninterest expense | 3,956,000 | 7,460,000 | 10,947,000 | 14,839,000 |
| Provision for loan losses | 167,000 | 832,000 | 2,500,000 | 3,500,000 |
| Pretax income | 2,613,000 | 5,475,000 | 7,645,000 | 10,057,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,613,000 | 5,475,000 | 7,645,000 | 10,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,629,000 | 82,479,000 | 83,189,000 | 85,639,000 |
| Total capital | 91,789,000 | 91,148,000 | 92,612,000 | 92,803,000 |
| Risk-weighted assets | 695,791,000 | 737,744,000 | 753,761,000 | 723,555,000 |