Call reports 2015
LONE STAR BANK — 2015
What LONE STAR BANK 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 | 103,229,000 | 100,653,000 | 103,720,000 | 101,745,000 |
| Total loans | 85,682,000 | 82,586,000 | 86,032,000 | 86,662,000 |
| Allowance for loan losses | 1,188,000 | 1,164,000 | 1,167,000 | 1,173,000 |
| Securities available for sale | 529,000 | 456,000 | 395,000 | 342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,460,000 | 89,753,000 | 89,727,000 | 90,618,000 |
| Interest-bearing deposits | 80,747,000 | 80,975,000 | 81,957,000 | 83,894,000 |
| Noninterest-bearing deposits | 6,713,000 | 8,778,000 | 7,770,000 | 6,724,000 |
| Equity capital | 10,653,000 | 10,736,000 | 10,822,000 | 10,955,000 |
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 | 1,124,000 | 2,242,000 | 3,381,000 | 4,530,000 |
| Interest expense | 195,000 | 407,000 | 611,000 | 823,000 |
| Net interest income | 929,000 | 1,835,000 | 2,770,000 | 3,707,000 |
| Noninterest income | -57,000 | -44,000 | -19,000 | -39,000 |
| Noninterest expense | 820,000 | 1,667,000 | 2,551,000 | 3,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 124,000 | 200,000 | 308,000 |
| Income tax | -10,000 | -20,000 | -30,000 | -56,000 |
| Net income | 62,000 | 144,000 | 230,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,508,000 | 10,591,000 | 10,647,000 | 10,755,000 |
| Total capital | 11,437,000 | 11,509,000 | 11,642,000 | 11,751,000 |
| Risk-weighted assets | 74,295,000 | 73,171,000 | 79,317,000 | 79,367,000 |