Call reports 2008
LONE STAR STATE BANK, THE — 2008
What LONE STAR STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 29,821,000 | 29,689,000 | 30,263,000 | 35,666,000 |
| Total loans | 24,090,000 | 23,234,000 | 22,738,000 | 23,950,000 |
| Allowance for loan losses | 333,000 | 333,000 | 337,000 | 339,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,843,000 | 25,815,000 | 27,292,000 | 29,635,000 |
| Interest-bearing deposits | 19,307,000 | 19,783,000 | 21,382,000 | 22,397,000 |
| Noninterest-bearing deposits | 6,536,000 | 6,032,000 | 5,910,000 | 7,238,000 |
| Equity capital | 3,002,000 | 2,902,000 | 2,883,000 | 2,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 955,000 | 1,408,000 | 1,896,000 |
| Interest expense | 179,000 | 347,000 | 499,000 | 667,000 |
| Net interest income | 305,000 | 608,000 | 909,000 | 1,229,000 |
| Noninterest income | 52,000 | 100,000 | 160,000 | 224,000 |
| Noninterest expense | 175,000 | 349,000 | 533,000 | 739,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 6,000 |
| Pretax income | 182,000 | 359,000 | 532,000 | 708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 182,000 | 359,000 | 532,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,002,000 | 2,902,000 | 2,883,000 | 2,996,000 |
| Total capital | 3,270,000 | 3,163,000 | 3,145,000 | 3,277,000 |
| Risk-weighted assets | 21,506,000 | 20,796,000 | 20,902,000 | 22,460,000 |