Call reports 2008
STELLAR BUSINESS BANK — 2008
What STELLAR BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,420,000 | 64,121,000 | 88,121,000 | 105,191,000 |
| Total loans | 17,234,000 | 20,271,000 | 29,938,000 | 31,170,000 |
| Allowance for loan losses | 221,000 | 362,000 | 503,000 | 385,000 |
| Securities available for sale | 29,115,000 | 27,414,000 | 36,780,000 | 43,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,670,000 | 43,430,000 | 67,870,000 | 72,675,000 |
| Interest-bearing deposits | 29,970,000 | 39,428,000 | 59,793,000 | 65,405,000 |
| Noninterest-bearing deposits | 3,700,000 | 4,002,000 | 8,077,000 | 7,269,000 |
| Equity capital | 21,076,000 | 19,862,000 | 19,735,000 | 19,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,474,000 | 2,481,000 | 3,588,000 |
| Interest expense | 304,000 | 656,000 | 1,161,000 | 1,689,000 |
| Net interest income | 392,000 | 818,000 | 1,320,000 | 1,899,000 |
| Noninterest income | 5,000 | 10,000 | 18,000 | 27,000 |
| Noninterest expense | 877,000 | 1,736,000 | 2,640,000 | 3,488,000 |
| Provision for loan losses | 82,000 | 223,000 | 364,000 | 795,000 |
| Pretax income | -562,000 | -1,131,000 | -1,666,000 | -2,317,000 |
| Income tax | 1,000 | 0 | 0 | -1,000 |
| Net income | -563,000 | -1,131,000 | -1,666,000 | -2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,412,000 | 19,936,000 | 19,470,000 | 18,888,000 |
| Total capital | 20,633,000 | 20,279,000 | 19,969,000 | 19,310,000 |
| Risk-weighted assets | 23,008,000 | 27,347,000 | 39,890,000 | 43,795,000 |
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