Call reports 2004
LONE STAR NATIONAL BANK — 2004
What LONE STAR NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 942,239,000 | 967,977,000 | 1,025,415,000 | 1,089,207,000 |
| Total loans | 528,312,000 | 567,502,000 | 633,705,000 | 680,086,000 |
| Allowance for loan losses | 4,883,000 | 5,556,000 | 6,181,000 | 6,348,000 |
| Securities available for sale | 270,884,000 | 239,985,000 | 226,666,000 | 236,248,000 |
| Securities held to maturity | 76,321,000 | 90,763,000 | 83,030,000 | 106,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 808,244,000 | 838,069,000 | 885,206,000 | 932,472,000 |
| Interest-bearing deposits | 712,309,000 | 726,415,000 | 773,055,000 | 795,877,000 |
| Noninterest-bearing deposits | 95,935,000 | 111,654,000 | 112,151,000 | 136,596,000 |
| Equity capital | 68,760,000 | 67,589,000 | 74,157,000 | 79,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 11,880,000 | 25,375,000 | 39,246,000 | 54,560,000 |
| Interest expense | 4,443,000 | 9,100,000 | 13,914,000 | 19,361,000 |
| Net interest income | 7,437,000 | 16,275,000 | 25,332,000 | 35,199,000 |
| Noninterest income | 1,754,000 | 3,745,000 | 5,849,000 | 8,154,000 |
| Noninterest expense | 4,945,000 | 10,515,000 | 16,171,000 | 21,805,000 |
| Provision for loan losses | 851,000 | 1,856,000 | 2,881,000 | 3,781,000 |
| Pretax income | 3,563,000 | 7,953,000 | 12,997,000 | 18,696,000 |
| Income tax | 1,287,000 | 2,808,000 | 4,679,000 | 6,808,000 |
| Net income | 2,276,000 | 5,145,000 | 8,318,000 | 11,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,850,000 | 74,718,000 | 77,891,000 | 82,302,000 |
| Total capital | 73,733,000 | 80,274,000 | 84,072,000 | 88,650,000 |
| Risk-weighted assets | 590,459,000 | 623,387,000 | 689,787,000 | 749,359,000 |
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