Call reports 2015
BANK STAR ONE — 2015
What BANK STAR ONE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,490,000 | 85,977,000 | 83,594,000 | 85,658,000 |
| Total loans | 69,255,000 | 69,562,000 | 67,866,000 | 68,088,000 |
| Allowance for loan losses | 1,060,000 | 1,063,000 | 1,043,000 | 977,000 |
| Securities available for sale | 5,587,000 | 5,381,000 | 5,271,000 | 5,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,803,000 | 75,371,000 | 72,965,000 | 74,861,000 |
| Interest-bearing deposits | 61,456,000 | 60,168,000 | 58,676,000 | 59,393,000 |
| Noninterest-bearing deposits | 13,347,000 | 15,203,000 | 14,289,000 | 15,468,000 |
| Equity capital | 9,986,000 | 10,078,000 | 10,171,000 | 10,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 934,000 | 1,952,000 | 2,920,000 | 3,876,000 |
| Interest expense | 50,000 | 101,000 | 151,000 | 200,000 |
| Net interest income | 884,000 | 1,851,000 | 2,769,000 | 3,676,000 |
| Noninterest income | 304,000 | 724,000 | 1,146,000 | 1,527,000 |
| Noninterest expense | 1,044,000 | 2,135,000 | 3,215,000 | 4,198,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 60,000 |
| Pretax income | 111,000 | 377,000 | 607,000 | 942,000 |
| Income tax | 40,000 | 138,000 | 221,000 | 337,000 |
| Net income | 71,000 | 239,000 | 386,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,970,000 | 10,087,000 | 10,159,000 | 10,304,000 |
| Total capital | 10,731,000 | 10,920,000 | 10,969,000 | 11,082,000 |
| Risk-weighted assets | 60,593,000 | 66,403,000 | 64,659,000 | 62,064,000 |