Call reports 2003
STAR BANK — 2003
What STAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,783,000 | 87,913,000 | 88,285,000 | 89,879,000 |
| Total loans | 63,746,000 | 65,366,000 | 63,439,000 | 60,930,000 |
| Allowance for loan losses | 1,248,000 | 1,171,000 | 1,162,000 | 1,148,000 |
| Securities available for sale | 10,053,000 | 11,154,000 | 11,436,000 | 16,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,856,000 | 79,113,000 | 79,618,000 | 81,319,000 |
| Interest-bearing deposits | 70,314,000 | 69,792,000 | 69,270,000 | 70,152,000 |
| Noninterest-bearing deposits | 8,542,000 | 9,321,000 | 10,348,000 | 11,167,000 |
| Equity capital | 8,231,000 | 7,990,000 | 8,071,000 | 8,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 2,919,000 | 4,250,000 | 5,637,000 |
| Interest expense | 425,000 | 822,000 | 1,181,000 | 1,516,000 |
| Net interest income | 1,127,000 | 2,097,000 | 3,069,000 | 4,121,000 |
| Noninterest income | 203,000 | 348,000 | 519,000 | 662,000 |
| Noninterest expense | 658,000 | 1,354,000 | 2,016,000 | 2,830,000 |
| Provision for loan losses | 57,000 | 57,000 | 57,000 | 57,000 |
| Pretax income | 615,000 | 1,034,000 | 1,515,000 | 1,896,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 613,000 | 1,032,000 | 1,513,000 | 1,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,184,000 | 6,934,000 | 7,144,000 | 7,156,000 |
| Total capital | 8,005,000 | 7,773,000 | 7,965,000 | 7,909,000 |
| Risk-weighted assets | 65,271,000 | 66,761,000 | 65,320,000 | 59,814,000 |
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