Call reports 2016
LONE STAR STATE BANK OF WEST TEXAS — 2016
What LONE STAR STATE BANK OF WEST TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 744,519,000 | 782,336,000 | 787,568,000 | 805,770,000 |
| Total loans | 631,109,000 | 686,357,000 | 714,494,000 | 670,816,000 |
| Allowance for loan losses | 8,337,000 | 11,082,000 | 12,231,000 | 11,388,000 |
| Securities available for sale | 44,017,000 | 29,076,000 | 24,043,000 | 23,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 646,575,000 | 688,221,000 | 688,455,000 | 708,715,000 |
| Interest-bearing deposits | 476,571,000 | 522,166,000 | 521,162,000 | 529,826,000 |
| Noninterest-bearing deposits | 170,004,000 | 166,055,000 | 167,293,000 | 178,889,000 |
| Equity capital | 95,934,000 | 91,565,000 | 96,196,000 | 95,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,636,000 | 15,488,000 | 23,845,000 | 32,204,000 |
| Interest expense | 948,000 | 1,943,000 | 3,076,000 | 4,285,000 |
| Net interest income | 6,688,000 | 13,545,000 | 20,769,000 | 27,919,000 |
| Noninterest income | 293,000 | 553,000 | 818,000 | 1,102,000 |
| Noninterest expense | 3,695,000 | 7,484,000 | 11,156,000 | 15,193,000 |
| Provision for loan losses | 1,250,000 | 3,917,000 | 6,817,000 | 10,816,000 |
| Pretax income | 2,036,000 | 2,697,000 | 3,614,000 | 3,012,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,036,000 | 2,697,000 | 3,614,000 | 3,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,452,000 | 83,086,000 | 87,811,000 | 87,267,000 |
| Total capital | 95,789,000 | 92,491,000 | 97,250,000 | 96,272,000 |
| Risk-weighted assets | 712,339,000 | 750,730,000 | 752,322,000 | 718,041,000 |