Call reports 2003
LONE STAR NATIONAL BANK — 2003
What LONE STAR NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 660,896,000 | 724,041,000 | 771,984,000 | 837,357,000 |
| Total loans | 388,357,000 | 428,583,000 | 445,428,000 | 497,082,000 |
| Allowance for loan losses | 4,362,000 | 4,841,000 | 4,716,000 | 4,486,000 |
| Securities available for sale | 224,799,000 | 248,195,000 | 179,638,000 | 219,637,000 |
| Securities held to maturity | 5,153,000 | 5,153,000 | 60,798,000 | 65,118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 583,439,000 | 626,139,000 | 686,455,000 | 756,388,000 |
| Interest-bearing deposits | 503,095,000 | 548,137,000 | 596,967,000 | 635,464,000 |
| Noninterest-bearing deposits | 80,344,000 | 78,002,000 | 89,488,000 | 120,924,000 |
| Equity capital | 46,847,000 | 53,884,000 | 53,872,000 | 57,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,415,000 | 17,875,000 | 28,021,000 | 39,689,000 |
| Interest expense | 3,135,000 | 6,685,000 | 10,416,000 | 14,387,000 |
| Net interest income | 5,280,000 | 11,190,000 | 17,605,000 | 25,302,000 |
| Noninterest income | 1,898,000 | 3,780,000 | 5,649,000 | 7,415,000 |
| Noninterest expense | 4,065,000 | 8,543,000 | 12,930,000 | 17,251,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,200,000 | 2,845,000 |
| Pretax income | 3,000,000 | 6,058,000 | 9,463,000 | 14,449,000 |
| Income tax | 1,046,000 | 2,120,000 | 3,305,000 | 5,077,000 |
| Net income | 1,954,000 | 3,938,000 | 6,158,000 | 9,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,656,000 | 52,641,000 | 54,860,000 | 58,075,000 |
| Total capital | 50,018,000 | 57,482,000 | 59,576,000 | 62,561,000 |
| Risk-weighted assets | 417,264,000 | 453,515,000 | 464,432,000 | 547,308,000 |
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