Call reports 2014
BANK STAR ONE — 2014
What BANK STAR ONE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,629,000 | 87,668,000 | 86,141,000 | 86,520,000 |
| Total loans | 65,219,000 | 67,460,000 | 67,248,000 | 68,565,000 |
| Allowance for loan losses | 1,632,000 | 1,612,000 | 1,024,000 | 1,028,000 |
| Securities available for sale | 10,078,000 | 10,070,000 | 9,941,000 | 7,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,013,000 | 77,876,000 | 75,604,000 | 76,083,000 |
| Interest-bearing deposits | 67,291,000 | 65,309,000 | 62,031,000 | 61,533,000 |
| Noninterest-bearing deposits | 11,722,000 | 12,567,000 | 13,573,000 | 14,550,000 |
| Equity capital | 9,372,000 | 9,464,000 | 9,964,000 | 10,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 966,000 | 1,942,000 | 2,962,000 | 3,959,000 |
| Interest expense | 66,000 | 126,000 | 182,000 | 235,000 |
| Net interest income | 900,000 | 1,816,000 | 2,780,000 | 3,724,000 |
| Noninterest income | 304,000 | 658,000 | 1,109,000 | 1,465,000 |
| Noninterest expense | 1,003,000 | 2,083,000 | 3,150,000 | 4,239,000 |
| Provision for loan losses | 30,000 | 60,000 | -520,000 | -475,000 |
| Pretax income | 171,000 | 331,000 | 1,259,000 | 1,423,000 |
| Income tax | 60,000 | 120,000 | 464,000 | 496,000 |
| Net income | 111,000 | 211,000 | 795,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,470,000 | 9,496,000 | 10,004,000 | 10,062,000 |
| Total capital | 10,201,000 | 10,254,000 | 10,761,000 | 10,825,000 |
| Risk-weighted assets | 57,572,000 | 59,752,000 | 60,265,000 | 60,775,000 |