Call reports 2023
LONE STAR BANK — 2023
What LONE STAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 155,290,000 | 163,989,000 | 160,087,000 | 158,699,000 |
| Total loans | 136,424,000 | 138,384,000 | 134,716,000 | 135,866,000 |
| Allowance for loan losses | 1,602,000 | 1,577,000 | 1,577,000 | 1,698,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,197,000 | 142,493,000 | 138,602,000 | 136,821,000 |
| Interest-bearing deposits | 116,186,000 | 126,892,000 | 123,664,000 | 119,165,000 |
| Noninterest-bearing deposits | 18,011,000 | 15,601,000 | 14,938,000 | 17,656,000 |
| Equity capital | 20,675,000 | 21,076,000 | 20,934,000 | 21,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,150,000 | 4,556,000 | 6,986,000 | 9,809,000 |
| Interest expense | 601,000 | 1,481,000 | 2,539,000 | 3,670,000 |
| Net interest income | 1,549,000 | 3,075,000 | 4,447,000 | 6,139,000 |
| Noninterest income | 55,000 | 102,000 | 127,000 | 170,000 |
| Noninterest expense | 1,080,000 | 2,146,000 | 3,793,000 | 4,921,000 |
| Provision for loan losses | 0 | 0 | 0 | 121,000 |
| Pretax income | 524,000 | 1,031,000 | 781,000 | 1,267,000 |
| Income tax | 110,000 | 216,000 | 108,000 | 210,000 |
| Net income | 414,000 | 815,000 | 673,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,675,000 | 21,076,000 | 20,934,000 | 21,318,000 |
| Total capital | 22,212,000 | 22,603,000 | 22,424,000 | 22,841,000 |
| Risk-weighted assets | 122,862,000 | 122,108,000 | 119,060,000 | 121,666,000 |
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