Call reports 2004
STAR BANK — 2004
What STAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 88,652,000 | 88,565,000 | 90,512,000 |
| Total loans | 56,936,000 | 60,124,000 | 63,487,000 |
| Allowance for loan losses | 1,131,000 | 1,081,000 | 1,082,000 |
| Securities available for sale | 16,760,000 | 19,084,000 | 18,438,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 79,826,000 | 80,166,000 | 81,881,000 |
| Interest-bearing deposits | 69,809,000 | 70,156,000 | 69,993,000 |
| Noninterest-bearing deposits | 10,017,000 | 10,010,000 | 11,888,000 |
| Equity capital | 8,161,000 | 7,911,000 | 8,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 1,218,000 | 2,406,000 | 3,620,000 |
| Interest expense | 299,000 | 574,000 | 854,000 |
| Net interest income | 919,000 | 1,832,000 | 2,766,000 |
| Noninterest income | 207,000 | 368,000 | 541,000 |
| Noninterest expense | 647,000 | 1,380,000 | 2,172,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 479,000 | 820,000 | 1,135,000 |
| Income tax | 2,000 | 2,000 | 2,000 |
| Net income | 477,000 | 818,000 | 1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 7,214,000 | 7,286,000 | 7,331,000 |
| Total capital | 8,105,000 | 8,227,000 | 8,303,000 |
| Risk-weighted assets | 71,050,000 | 75,300,000 | 77,611,000 |