Call reports 2016
BANK STAR ONE — 2016
What BANK STAR ONE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 87,200,000 | 87,564,000 | 87,307,000 | 87,497,000 |
| Total loans | 65,889,000 | 64,300,000 | 62,305,000 | 59,180,000 |
| Allowance for loan losses | 663,000 | 740,000 | 884,000 | 913,000 |
| Securities available for sale | 5,113,000 | 5,042,000 | 4,911,000 | 4,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,392,000 | 76,504,000 | 76,070,000 | 76,337,000 |
| Interest-bearing deposits | 60,247,000 | 60,430,000 | 60,371,000 | 59,100,000 |
| Noninterest-bearing deposits | 16,145,000 | 16,074,000 | 15,699,000 | 17,237,000 |
| Equity capital | 10,302,000 | 10,461,000 | 10,614,000 | 10,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,811,000 | 2,737,000 | 3,582,000 |
| Interest expense | 52,000 | 103,000 | 156,000 | 207,000 |
| Net interest income | 844,000 | 1,708,000 | 2,581,000 | 3,375,000 |
| Noninterest income | 292,000 | 673,000 | 1,101,000 | 1,484,000 |
| Noninterest expense | 976,000 | 1,950,000 | 2,977,000 | 3,852,000 |
| Provision for loan losses | 135,000 | 165,000 | 195,000 | 225,000 |
| Pretax income | 25,000 | 266,000 | 510,000 | 782,000 |
| Income tax | 5,000 | 97,000 | 185,000 | 282,000 |
| Net income | 20,000 | 169,000 | 325,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,274,000 | 10,423,000 | 10,579,000 | 10,754,000 |
| Total capital | 10,937,000 | 11,163,000 | 11,269,000 | 11,422,000 |
| Risk-weighted assets | 62,641,000 | 60,813,000 | 55,015,000 | 53,114,000 |