Call reports 2004
BANK STAR ONE — 2004
What BANK STAR ONE 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 | 83,084,000 | 84,080,000 | 84,552,000 | 83,668,000 |
| Total loans | 57,130,000 | 60,695,000 | 61,919,000 | 62,470,000 |
| Allowance for loan losses | 783,000 | 800,000 | 743,000 | 787,000 |
| Securities available for sale | 17,380,000 | 15,222,000 | 13,284,000 | 11,962,000 |
| Securities held to maturity | 991,000 | 1,992,000 | 993,000 | 994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,442,000 | 75,582,000 | 76,793,000 | 75,886,000 |
| Interest-bearing deposits | 65,626,000 | 65,638,000 | 65,219,000 | 65,497,000 |
| Noninterest-bearing deposits | 9,816,000 | 9,944,000 | 11,574,000 | 10,389,000 |
| Equity capital | 7,292,000 | 7,089,000 | 7,436,000 | 7,518,000 |
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 | 1,078,000 | 2,258,000 | 3,404,000 | 4,552,000 |
| Interest expense | 267,000 | 516,000 | 778,000 | 1,045,000 |
| Net interest income | 811,000 | 1,742,000 | 2,626,000 | 3,507,000 |
| Noninterest income | 205,000 | 392,000 | 520,000 | 662,000 |
| Noninterest expense | 805,000 | 1,648,000 | 2,443,000 | 3,250,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 110,000 |
| Pretax income | 188,000 | 441,000 | 689,000 | 862,000 |
| Income tax | 55,000 | 137,000 | 215,000 | 282,000 |
| Net income | 133,000 | 304,000 | 474,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,005,000 | 7,102,000 | 7,340,000 | 7,447,000 |
| Total capital | 7,666,000 | 7,794,000 | 8,044,000 | 8,155,000 |
| Risk-weighted assets | 52,818,000 | 55,260,000 | 56,264,000 | 56,600,000 |