Call reports 2020
LONE STAR STATE BANK OF WEST TEXAS — 2020
What LONE STAR STATE BANK OF WEST TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 980,442,000 | 1,024,873,000 | 1,000,690,000 | 1,048,262,000 |
| Total loans | 697,002,000 | 786,060,000 | 801,714,000 | 748,724,000 |
| Allowance for loan losses | 12,923,000 | 13,493,000 | 14,624,000 | 13,206,000 |
| Securities available for sale | 52,755,000 | 55,605,000 | 71,355,000 | 81,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 858,593,000 | 902,276,000 | 875,498,000 | 918,941,000 |
| Interest-bearing deposits | 567,708,000 | 567,211,000 | 552,801,000 | 567,109,000 |
| Noninterest-bearing deposits | 290,885,000 | 335,065,000 | 322,697,000 | 351,832,000 |
| Equity capital | 119,929,000 | 120,497,000 | 122,818,000 | 128,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,986,000 | 19,284,000 | 28,496,000 | 38,421,000 |
| Interest expense | 2,155,000 | 3,665,000 | 4,825,000 | 5,692,000 |
| Net interest income | 7,831,000 | 15,619,000 | 23,671,000 | 32,729,000 |
| Noninterest income | 252,000 | 536,000 | 856,000 | 1,272,000 |
| Noninterest expense | 4,129,000 | 8,795,000 | 13,021,000 | 18,591,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,000,000 | 2,500,000 |
| Pretax income | 2,454,000 | 4,360,000 | 7,506,000 | 12,910,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,454,000 | 4,360,000 | 7,506,000 | 12,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,389,000 | 112,085,000 | 114,596,000 | 120,000,000 |
| Total capital | 121,165,000 | 121,854,000 | 124,696,000 | 129,786,000 |
| Risk-weighted assets | 778,933,000 | 777,815,000 | 803,518,000 | 779,523,000 |