Call reports 2009
LONE STAR NATIONAL BANK — 2009
What LONE STAR NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,789,876,000 | 1,826,992,000 | 1,679,165,000 | 1,855,776,000 |
| Total loans | 1,151,975,000 | 1,142,285,000 | 1,170,146,000 | 1,184,708,000 |
| Allowance for loan losses | 19,793,000 | 20,861,000 | 22,254,000 | 22,100,000 |
| Securities available for sale | 272,807,000 | 380,672,000 | 209,501,000 | 295,753,000 |
| Securities held to maturity | 93,973,000 | 88,199,000 | 88,376,000 | 112,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,457,498,000 | 1,495,125,000 | 1,355,980,000 | 1,477,463,000 |
| Interest-bearing deposits | 1,339,224,000 | 1,362,243,000 | 1,225,313,000 | 1,335,149,000 |
| Noninterest-bearing deposits | 118,274,000 | 132,882,000 | 130,667,000 | 142,314,000 |
| Equity capital | 170,189,000 | 172,665,000 | 175,405,000 | 181,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 23,066,000 | 45,077,000 | 67,584,000 | 91,096,000 |
| Interest expense | 9,935,000 | 18,681,000 | 26,423,000 | 33,203,000 |
| Net interest income | 13,131,000 | 26,396,000 | 41,161,000 | 57,893,000 |
| Noninterest income | 2,963,000 | 6,443,000 | 9,683,000 | 13,571,000 |
| Noninterest expense | 10,325,000 | 21,769,000 | 32,971,000 | 44,831,000 |
| Provision for loan losses | 3,875,000 | 6,125,000 | 9,875,000 | 12,125,000 |
| Pretax income | 1,933,000 | 4,984,000 | 8,599,000 | 15,065,000 |
| Income tax | 680,000 | 1,688,000 | 2,862,000 | 4,984,000 |
| Net income | 1,253,000 | 3,296,000 | 5,737,000 | 10,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 168,068,000 | 170,138,000 | 172,606,000 | 176,965,000 |
| Total capital | 183,166,000 | 185,372,000 | 187,769,000 | 192,782,000 |
| Risk-weighted assets | 1,202,412,000 | 1,212,379,000 | 1,205,154,000 | 1,258,263,000 |