Call reports 2025
LONE STAR NATIONAL BANK — 2025
What LONE STAR NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,160,255,000 | 3,213,270,000 | 3,195,654,000 | 3,282,339,000 |
| Total loans | 1,622,420,000 | 1,705,150,000 | 1,710,327,000 | 1,708,597,000 |
| Allowance for loan losses | 21,960,000 | 21,748,000 | 22,156,000 | 22,261,000 |
| Securities available for sale | 930,752,000 | 1,072,839,000 | 1,024,185,000 | 1,016,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,783,696,000 | 2,864,438,000 | 2,837,553,000 | 2,905,855,000 |
| Interest-bearing deposits | 2,142,145,000 | 2,181,105,000 | 2,153,710,000 | 2,245,608,000 |
| Noninterest-bearing deposits | 641,551,000 | 683,333,000 | 683,843,000 | 660,247,000 |
| Equity capital | 341,191,000 | 319,460,000 | 342,426,000 | 361,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 38,476,000 | 78,315,000 | 118,676,000 | 159,207,000 |
| Interest expense | 12,551,000 | 25,210,000 | 37,734,000 | 49,466,000 |
| Net interest income | 25,925,000 | 53,105,000 | 80,942,000 | 109,741,000 |
| Noninterest income | 9,131,000 | 18,263,000 | 27,520,000 | 37,560,000 |
| Noninterest expense | 24,594,000 | 48,979,000 | 73,777,000 | 97,940,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 10,603,000 | 22,309,000 | 34,250,000 | 48,076,000 |
| Income tax | -19,097,000 | -17,467,000 | -15,886,000 | -13,942,000 |
| Net income | 29,700,000 | 39,776,000 | 50,136,000 | 62,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 414,916,000 | 389,968,000 | 400,251,000 | 411,675,000 |
| Total capital | 437,833,000 | 412,893,000 | 423,789,000 | 435,318,000 |
| Risk-weighted assets | 1,945,401,000 | 2,019,987,000 | 2,061,116,000 | 2,085,199,000 |