Call reports 2016
LONE STAR BANK — 2016
What LONE STAR BANK 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 | 109,353,000 | 108,469,000 | 111,421,000 | 118,529,000 |
| Total loans | 92,658,000 | 92,436,000 | 94,787,000 | 101,684,000 |
| Allowance for loan losses | 1,138,000 | 1,122,000 | 1,130,000 | 1,169,000 |
| Securities available for sale | 294,000 | 206,000 | 171,000 | 139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,973,000 | 96,947,000 | 98,642,000 | 103,943,000 |
| Interest-bearing deposits | 90,601,000 | 92,645,000 | 93,187,000 | 96,745,000 |
| Noninterest-bearing deposits | 5,372,000 | 4,302,000 | 5,455,000 | 7,198,000 |
| Equity capital | 11,195,000 | 11,324,000 | 11,542,000 | 12,830,000 |
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 | 1,211,000 | 2,466,000 | 3,758,000 | 5,085,000 |
| Interest expense | 231,000 | 469,000 | 716,000 | 963,000 |
| Net interest income | 980,000 | 1,997,000 | 3,042,000 | 4,122,000 |
| Noninterest income | 164,000 | 193,000 | 307,000 | 341,000 |
| Noninterest expense | 868,000 | 1,761,000 | 2,670,000 | 3,582,000 |
| Provision for loan losses | 55,000 | 96,000 | 146,000 | 176,000 |
| Pretax income | 221,000 | 333,000 | 533,000 | 705,000 |
| Income tax | -18,000 | -36,000 | -54,000 | -1,170,000 |
| Net income | 239,000 | 369,000 | 587,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,977,000 | 11,088,000 | 11,288,000 | 11,460,000 |
| Total capital | 12,039,000 | 12,139,000 | 12,372,000 | 12,629,000 |
| Risk-weighted assets | 84,839,000 | 83,948,000 | 86,634,000 | 93,242,000 |