Call reports 2003
BANK STAR ONE — 2003
What BANK STAR ONE 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 | 82,547,000 | 81,776,000 | 82,534,000 | 82,579,000 |
| Total loans | 54,042,000 | 54,009,000 | 53,490,000 | 55,291,000 |
| Allowance for loan losses | 859,000 | 746,000 | 733,000 | 755,000 |
| Securities available for sale | 14,949,000 | 16,152,000 | 15,837,000 | 16,742,000 |
| Securities held to maturity | 2,019,000 | 1,013,000 | 1,998,000 | 1,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,916,000 | 73,874,000 | 74,810,000 | 74,741,000 |
| Interest-bearing deposits | 67,264,000 | 66,409,000 | 66,278,000 | 66,075,000 |
| Noninterest-bearing deposits | 7,652,000 | 7,465,000 | 8,532,000 | 8,666,000 |
| Equity capital | 6,963,000 | 7,155,000 | 7,052,000 | 7,190,000 |
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 | 1,146,000 | 2,324,000 | 3,454,000 | 4,546,000 |
| Interest expense | 373,000 | 707,000 | 1,004,000 | 1,285,000 |
| Net interest income | 773,000 | 1,617,000 | 2,450,000 | 3,261,000 |
| Noninterest income | 197,000 | 421,000 | 637,000 | 857,000 |
| Noninterest expense | 809,000 | 1,677,000 | 2,499,000 | 3,334,000 |
| Provision for loan losses | 0 | 0 | 29,000 | 51,000 |
| Pretax income | 161,000 | 361,000 | 559,000 | 733,000 |
| Income tax | 47,000 | 105,000 | 166,000 | 217,000 |
| Net income | 114,000 | 256,000 | 393,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,725,000 | 6,797,000 | 6,834,000 | 6,974,000 |
| Total capital | 7,384,000 | 7,457,000 | 7,481,000 | 7,637,000 |
| Risk-weighted assets | 52,568,000 | 52,729,000 | 51,684,000 | 52,738,000 |