Call reports 2015
BANK STAR — 2015
What BANK STAR reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,440,000 | 66,717,000 | 66,929,000 | 66,331,000 |
| Total loans | 54,110,000 | 53,871,000 | 54,462,000 | 54,280,000 |
| Allowance for loan losses | 637,000 | 673,000 | 707,000 | 550,000 |
| Securities available for sale | 6,880,000 | 5,757,000 | 3,935,000 | 3,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,261,000 | 58,312,000 | 58,170,000 | 59,018,000 |
| Interest-bearing deposits | 48,603,000 | 49,549,000 | 49,528,000 | 47,045,000 |
| Noninterest-bearing deposits | 9,658,000 | 8,763,000 | 8,642,000 | 11,973,000 |
| Equity capital | 6,841,000 | 6,894,000 | 6,941,000 | 7,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 741,000 | 1,476,000 | 2,224,000 | 2,956,000 |
| Interest expense | 40,000 | 80,000 | 119,000 | 155,000 |
| Net interest income | 701,000 | 1,396,000 | 2,105,000 | 2,801,000 |
| Noninterest income | 124,000 | 258,000 | 391,000 | 509,000 |
| Noninterest expense | 651,000 | 1,271,000 | 1,897,000 | 2,477,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 50,000 |
| Pretax income | 141,000 | 320,000 | 506,000 | 780,000 |
| Income tax | 52,000 | 118,000 | 188,000 | 280,000 |
| Net income | 89,000 | 202,000 | 318,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,835,000 | 6,898,000 | 6,939,000 | 7,046,000 |
| Total capital | 7,446,000 | 7,529,000 | 7,572,000 | 7,596,000 |
| Risk-weighted assets | 48,893,000 | 50,477,000 | 50,576,000 | 48,234,000 |