Call reports 2007
LONE STAR CAPITAL BANK, NATIONAL ASSOCIATION — 2007
What LONE STAR CAPITAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 134,360,000 | 143,696,000 | 121,026,000 | 141,350,000 |
| Total loans | 53,161,000 | 51,270,000 | 54,121,000 | 51,783,000 |
| Allowance for loan losses | 753,000 | 801,000 | 800,000 | 798,000 |
| Securities available for sale | 15,466,000 | 19,638,000 | 23,781,000 | 22,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,981,000 | 0 | 0 | 0 |
| Total deposits | 114,256,000 | 120,190,000 | 96,752,000 | 118,141,000 |
| Interest-bearing deposits | 95,293,000 | 101,703,000 | 78,273,000 | 101,580,000 |
| Noninterest-bearing deposits | 18,962,000 | 18,487,000 | 18,478,000 | 16,560,000 |
| Equity capital | 15,874,000 | 17,275,000 | 17,514,000 | 17,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,838,000 | 3,810,000 | 5,716,000 | 7,647,000 |
| Interest expense | 988,000 | 2,109,000 | 3,139,000 | 4,197,000 |
| Net interest income | 850,000 | 1,701,000 | 2,577,000 | 3,450,000 |
| Noninterest income | 119,000 | 225,000 | 341,000 | 480,000 |
| Noninterest expense | 858,000 | 1,715,000 | 2,576,000 | 3,451,000 |
| Provision for loan losses | 45,000 | 85,000 | 115,000 | 145,000 |
| Pretax income | 66,000 | 134,000 | 232,000 | 341,000 |
| Income tax | 2,000 | -1,420,000 | -1,378,000 | -1,331,000 |
| Net income | 64,000 | 1,554,000 | 1,610,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,801,000 | 7,941,000 | 8,149,000 | 8,359,000 |
| Total capital | 8,557,000 | 8,749,000 | 8,953,000 | 9,167,000 |
| Risk-weighted assets | 68,293,000 | 68,651,000 | 66,549,000 | 68,478,000 |