Call reports 2004
FIRST STAR BANK — 2004
What FIRST 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 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 550,374,000 | 565,262,000 | 579,641,000 | 572,125,000 |
| Total loans | 248,853,000 | 238,865,000 | 234,343,000 | 237,648,000 |
| Allowance for loan losses | 2,337,000 | 2,459,000 | 2,459,000 | 2,479,000 |
| Securities available for sale | 273,264,000 | 294,045,000 | 310,743,000 | 312,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,458,000 | 320,240,000 | 334,976,000 | 332,588,000 |
| Interest-bearing deposits | 312,452,000 | 313,252,000 | 330,249,000 | 325,492,000 |
| Noninterest-bearing deposits | 6,006,000 | 6,988,000 | 4,727,000 | 7,096,000 |
| Equity capital | 40,491,000 | 38,121,000 | 40,778,000 | 40,991,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,129,000 | 12,175,000 | 18,469,000 | 25,040,000 |
| Interest expense | 3,528,000 | 7,031,000 | 10,789,000 | 14,546,000 |
| Net interest income | 2,601,000 | 5,144,000 | 7,680,000 | 10,494,000 |
| Noninterest income | 277,000 | 462,000 | 595,000 | 836,000 |
| Noninterest expense | 1,625,000 | 2,928,000 | 3,608,000 | 5,167,000 |
| Provision for loan losses | 65,000 | 195,000 | 195,000 | 195,000 |
| Pretax income | 1,739,000 | 3,154,000 | 4,683,000 | 6,166,000 |
| Income tax | 562,000 | 913,000 | 1,303,000 | 1,679,000 |
| Net income | 1,177,000 | 2,241,000 | 3,380,000 | 4,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,222,000 | 39,788,000 | 40,597,000 | 41,349,000 |
| Total capital | 41,559,000 | 42,247,000 | 43,056,000 | 43,828,000 |
| Risk-weighted assets | 256,780,000 | 247,824,000 | 231,485,000 | 237,799,000 |