Call reports 2008
LONE STAR CAPITAL BANK, NATIONAL ASSOCIATION — 2008
What LONE STAR CAPITAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 140,571,000 | 154,349,000 | 142,102,000 | 131,381,000 |
| Total loans | 53,154,000 | 52,512,000 | 53,387,000 | 53,287,000 |
| Allowance for loan losses | 833,000 | 846,000 | 872,000 | 740,000 |
| Securities available for sale | 36,369,000 | 34,106,000 | 36,142,000 | 36,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,286,000 | 115,751,000 | 102,888,000 | 92,626,000 |
| Interest-bearing deposits | 83,938,000 | 100,638,000 | 88,272,000 | 77,381,000 |
| Noninterest-bearing deposits | 17,349,000 | 15,112,000 | 14,616,000 | 15,245,000 |
| Equity capital | 17,981,000 | 17,201,000 | 17,807,000 | 18,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,848,000 | 3,520,000 | 5,198,000 | 6,717,000 |
| Interest expense | 1,026,000 | 1,868,000 | 2,708,000 | 3,408,000 |
| Net interest income | 822,000 | 1,652,000 | 2,490,000 | 3,309,000 |
| Noninterest income | 143,000 | 287,000 | 430,000 | 571,000 |
| Noninterest expense | 836,000 | 1,682,000 | 2,524,000 | 3,412,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 110,000 |
| Pretax income | 102,000 | 304,000 | 427,000 | 471,000 |
| Income tax | 39,000 | 112,000 | 163,000 | 173,000 |
| Net income | 63,000 | 192,000 | 264,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,570,000 | 8,319,000 | 8,700,000 | 8,914,000 |
| Total capital | 9,411,000 | 9,186,000 | 9,565,000 | 9,661,000 |
| Risk-weighted assets | 79,884,000 | 71,384,000 | 69,191,000 | 65,811,000 |