Call reports 2005
FIRST STAR BANK — 2005
What FIRST STAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 602,363,000 | 626,393,000 | 600,984,000 | 580,179,000 |
| Total loans | 236,632,000 | 239,913,000 | 238,703,000 | 233,329,000 |
| Allowance for loan losses | 2,544,000 | 2,544,000 | 2,544,000 | 2,609,000 |
| Securities available for sale | 344,763,000 | 363,056,000 | 340,589,000 | 323,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,401,000 | 327,415,000 | 324,605,000 | 323,304,000 |
| Interest-bearing deposits | 325,641,000 | 318,852,000 | 317,269,000 | 316,541,000 |
| Noninterest-bearing deposits | 6,760,000 | 8,563,000 | 7,336,000 | 6,763,000 |
| Equity capital | 40,371,000 | 41,636,000 | 41,333,000 | 40,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,700,000 | 13,938,000 | 21,349,000 | 28,569,000 |
| Interest expense | 3,864,000 | 8,173,000 | 12,744,000 | 17,445,000 |
| Net interest income | 2,836,000 | 5,765,000 | 8,605,000 | 11,124,000 |
| Noninterest income | 191,000 | 366,000 | 566,000 | 710,000 |
| Noninterest expense | 1,733,000 | 3,380,000 | 5,098,000 | 6,781,000 |
| Provision for loan losses | 65,000 | 65,000 | 65,000 | 130,000 |
| Pretax income | 1,229,000 | 2,671,000 | 3,993,000 | 4,908,000 |
| Income tax | 289,000 | 698,000 | 1,020,000 | 1,202,000 |
| Net income | 940,000 | 1,973,000 | 2,973,000 | 3,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,872,000 | 42,473,000 | 43,019,000 | 43,362,000 |
| Total capital | 44,416,000 | 45,017,000 | 45,563,000 | 45,971,000 |
| Risk-weighted assets | 237,808,000 | 240,975,000 | 237,898,000 | 236,904,000 |