Call reports 2002
STAR BANK — 2002
What STAR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,537,000 | 84,279,000 | 85,163,000 | 88,145,000 |
| Total loans | 63,949,000 | 67,412,000 | 68,518,000 | 66,208,000 |
| Allowance for loan losses | 1,018,000 | 954,000 | 1,116,000 | 1,185,000 |
| Securities available for sale | 9,666,000 | 9,013,000 | 7,085,000 | 8,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,519,000 | 76,219,000 | 76,917,000 | 79,929,000 |
| Interest-bearing deposits | 67,418,000 | 67,187,000 | 67,928,000 | 69,603,000 |
| Noninterest-bearing deposits | 10,101,000 | 9,032,000 | 8,989,000 | 10,326,000 |
| Equity capital | 7,313,000 | 7,413,000 | 7,609,000 | 7,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 2,849,000 | 4,366,000 | 5,924,000 |
| Interest expense | 557,000 | 1,082,000 | 1,585,000 | 2,051,000 |
| Net interest income | 961,000 | 1,767,000 | 2,781,000 | 3,873,000 |
| Noninterest income | 139,000 | 275,000 | 429,000 | 529,000 |
| Noninterest expense | 635,000 | 1,292,000 | 1,928,000 | 2,688,000 |
| Provision for loan losses | 90,000 | 220,000 | 395,000 | 495,000 |
| Pretax income | 375,000 | 530,000 | 925,000 | 1,304,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 373,000 | 528,000 | 923,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,331,000 | 6,312,000 | 6,484,000 | 6,539,000 |
| Total capital | 7,113,000 | 7,139,000 | 7,343,000 | 7,383,000 |
| Risk-weighted assets | 62,367,000 | 66,255,000 | 68,462,000 | 67,184,000 |