Call reports 2012
STAR BANK — 2012
What STAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 148,823,000 | 146,357,000 | 210,493,000 | 220,797,000 |
| Total loans | 109,147,000 | 117,960,000 | 146,355,000 | 149,434,000 |
| Allowance for loan losses | 1,169,000 | 1,216,000 | 1,268,000 | 1,294,000 |
| Securities available for sale | 5,087,000 | 6,362,000 | 13,790,000 | 13,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,881,000 | 124,035,000 | 190,556,000 | 200,591,000 |
| Interest-bearing deposits | 104,255,000 | 103,665,000 | 151,914,000 | 159,306,000 |
| Noninterest-bearing deposits | 22,626,000 | 20,370,000 | 38,642,000 | 41,285,000 |
| Equity capital | 16,772,000 | 17,145,000 | 17,653,000 | 17,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,821,000 | 3,855,000 | 6,206,000 | 8,659,000 |
| Interest expense | 281,000 | 552,000 | 847,000 | 1,144,000 |
| Net interest income | 1,540,000 | 3,303,000 | 5,359,000 | 7,515,000 |
| Noninterest income | 237,000 | 500,000 | 806,000 | 1,195,000 |
| Noninterest expense | 1,216,000 | 2,523,000 | 4,101,000 | 5,970,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 511,000 | 1,180,000 | 1,933,000 | 2,559,000 |
| Income tax | 1,000 | 1,000 | 4,000 | 5,000 |
| Net income | 510,000 | 1,179,000 | 1,929,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,921,000 | 16,289,000 | 15,856,000 | 16,225,000 |
| Total capital | 17,090,000 | 17,505,000 | 17,124,000 | 17,519,000 |
| Risk-weighted assets | 113,177,000 | 121,211,000 | 150,617,000 | 153,941,000 |