Call reports 2020
LONE STAR BANK — 2020
What LONE STAR BANK 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 | 144,726,000 | 159,987,000 | 153,300,000 | 142,015,000 |
| Total loans | 124,402,000 | 128,791,000 | 126,923,000 | 116,989,000 |
| Allowance for loan losses | 1,558,000 | 1,602,000 | 1,663,000 | 1,754,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,268,000 | 137,233,000 | 135,079,000 | 123,544,000 |
| Interest-bearing deposits | 118,508,000 | 124,075,000 | 118,137,000 | 110,956,000 |
| Noninterest-bearing deposits | 8,760,000 | 13,158,000 | 16,942,000 | 12,588,000 |
| Equity capital | 17,140,000 | 17,417,000 | 17,819,000 | 18,147,000 |
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 | 1,878,000 | 3,693,000 | 5,480,000 | 7,225,000 |
| Interest expense | 518,000 | 955,000 | 1,341,000 | 1,639,000 |
| Net interest income | 1,360,000 | 2,738,000 | 4,139,000 | 5,586,000 |
| Noninterest income | 52,000 | 78,000 | 248,000 | 293,000 |
| Noninterest expense | 992,000 | 1,990,000 | 2,992,000 | 3,979,000 |
| Provision for loan losses | 37,000 | 93,000 | 153,000 | 243,000 |
| Pretax income | 383,000 | 733,000 | 1,242,000 | 1,657,000 |
| Income tax | 81,000 | 154,000 | 261,000 | 348,000 |
| Net income | 302,000 | 579,000 | 981,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,501,000 | 15,851,000 | 16,360,000 | 16,776,000 |
| Total capital | 16,907,000 | 17,261,000 | 17,755,000 | 18,082,000 |
| Risk-weighted assets | 112,354,000 | 112,614,000 | 111,271,000 | 104,067,000 |