Call reports 2005
LONE STAR NATIONAL BANK — 2005
What LONE STAR NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,131,192,000 | 1,150,949,000 | 1,319,264,000 | 1,405,943,000 |
| Total loans | 713,436,000 | 771,591,000 | 822,310,000 | 858,238,000 |
| Allowance for loan losses | 6,853,000 | 7,715,000 | 9,914,000 | 12,002,000 |
| Securities available for sale | 174,413,000 | 160,055,000 | 255,344,000 | 238,201,000 |
| Securities held to maturity | 114,479,000 | 102,148,000 | 119,088,000 | 112,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,710,000 | 951,998,000 | 1,113,397,000 | 1,215,691,000 |
| Interest-bearing deposits | 823,428,000 | 799,830,000 | 973,606,000 | 1,051,490,000 |
| Noninterest-bearing deposits | 138,282,000 | 152,168,000 | 139,791,000 | 164,201,000 |
| Equity capital | 80,609,000 | 86,491,000 | 93,271,000 | 100,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 16,101,000 | 33,701,000 | 52,469,000 | 74,661,000 |
| Interest expense | 5,926,000 | 12,447,000 | 20,049,000 | 29,836,000 |
| Net interest income | 10,175,000 | 21,254,000 | 32,420,000 | 44,825,000 |
| Noninterest income | 2,720,000 | 5,347,000 | 7,984,000 | 11,009,000 |
| Noninterest expense | 6,052,000 | 12,431,000 | 19,192,000 | 25,916,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 8,291,000 | 12,686,000 |
| Pretax income | 5,644,000 | 11,786,000 | 13,008,000 | 17,319,000 |
| Income tax | 1,941,000 | 4,006,000 | 4,399,000 | 5,863,000 |
| Net income | 3,703,000 | 7,780,000 | 8,609,000 | 11,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,005,000 | 90,082,000 | 96,911,000 | 104,785,000 |
| Total capital | 92,858,000 | 97,797,000 | 106,825,000 | 116,519,000 |
| Risk-weighted assets | 786,936,000 | 804,810,000 | 887,242,000 | 937,858,000 |
Machine access — free, no API key
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