Call reports 2004
LONE STAR CAPITAL BANK, NATIONAL ASSOCIATION — 2004
What LONE STAR CAPITAL BANK, NATIONAL ASSOCIATION 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 | 82,929,000 | 79,630,000 | 88,239,000 | 107,709,000 |
| Total loans | 43,591,000 | 41,741,000 | 44,515,000 | 43,902,000 |
| Allowance for loan losses | 966,000 | 962,000 | 795,000 | 753,000 |
| Securities available for sale | 19,495,000 | 17,628,000 | 17,072,000 | 16,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,538,000 | 62,858,000 | 71,361,000 | 90,738,000 |
| Interest-bearing deposits | 50,815,000 | 49,651,000 | 57,084,000 | 73,171,000 |
| Noninterest-bearing deposits | 14,723,000 | 13,207,000 | 14,277,000 | 17,567,000 |
| Equity capital | 16,112,000 | 15,599,000 | 15,717,000 | 15,787,000 |
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 | 971,000 | 1,792,000 | 2,682,000 | 3,580,000 |
| Interest expense | 231,000 | 414,000 | 634,000 | 920,000 |
| Net interest income | 740,000 | 1,378,000 | 2,048,000 | 2,660,000 |
| Noninterest income | 118,000 | 252,000 | 377,000 | 510,000 |
| Noninterest expense | 809,000 | 1,604,000 | 2,429,000 | 3,319,000 |
| Provision for loan losses | 60,000 | 105,000 | 180,000 | 225,000 |
| Pretax income | -11,000 | -81,000 | -186,000 | -372,000 |
| Income tax | 1,000 | 9,000 | 12,000 | 17,000 |
| Net income | -12,000 | -90,000 | -198,000 | -389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,518,000 | 7,464,000 | 7,421,000 | 7,620,000 |
| Total capital | 8,143,000 | 8,075,000 | 8,082,000 | 8,321,000 |
| Risk-weighted assets | 49,683,000 | 48,562,000 | 52,759,000 | 55,989,000 |