Call reports 2009
STELLAR BUSINESS BANK — 2009
What STELLAR BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,857,000 | 99,923,000 | 105,866,000 | 95,473,000 |
| Total loans | 30,910,000 | 32,866,000 | 34,737,000 | 39,802,000 |
| Allowance for loan losses | 497,000 | 554,000 | 693,000 | 739,000 |
| Securities available for sale | 38,596,000 | 38,052,000 | 56,050,000 | 46,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,151,000 | 81,007,000 | 82,250,000 | 77,349,000 |
| Interest-bearing deposits | 70,591,000 | 71,822,000 | 74,110,000 | 68,234,000 |
| Noninterest-bearing deposits | 8,560,000 | 9,185,000 | 8,140,000 | 9,115,000 |
| Equity capital | 18,915,000 | 18,108,000 | 18,223,000 | 17,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 1,850,000 | 2,793,000 | 3,913,000 |
| Interest expense | 554,000 | 1,082,000 | 1,439,000 | 1,672,000 |
| Net interest income | 445,000 | 768,000 | 1,354,000 | 2,241,000 |
| Noninterest income | 7,000 | 19,000 | 223,000 | 438,000 |
| Noninterest expense | 975,000 | 2,093,000 | 3,300,000 | 4,586,000 |
| Provision for loan losses | 112,000 | 266,000 | 404,000 | 450,000 |
| Pretax income | 184,000 | -710,000 | -1,148,000 | -1,259,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | -710,000 | -1,148,000 | -1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,141,000 | 18,336,000 | 17,999,000 | 17,990,000 |
| Total capital | 19,710,000 | 18,941,000 | 18,726,000 | 18,661,000 |
| Risk-weighted assets | 52,530,000 | 48,373,000 | 57,389,000 | 52,814,000 |