Call reports 2011
STELLAR BUSINESS BANK — 2011
What STELLAR BUSINESS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 85,147,000 | 84,663,000 | 88,649,000 | 86,736,000 |
| Total loans | 56,472,000 | 55,026,000 | 58,630,000 | 56,722,000 |
| Allowance for loan losses | 1,174,000 | 1,047,000 | 1,067,000 | 1,067,000 |
| Securities available for sale | 20,256,000 | 20,070,000 | 23,947,000 | 23,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,539,000 | 66,930,000 | 70,977,000 | 69,345,000 |
| Interest-bearing deposits | 56,801,000 | 57,349,000 | 60,860,000 | 59,654,000 |
| Noninterest-bearing deposits | 10,738,000 | 9,581,000 | 10,117,000 | 9,691,000 |
| Equity capital | 17,336,000 | 17,369,000 | 17,359,000 | 17,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,112,000 | 3,159,000 | 4,209,000 |
| Interest expense | 139,000 | 257,000 | 375,000 | 495,000 |
| Net interest income | 955,000 | 1,855,000 | 2,784,000 | 3,714,000 |
| Noninterest income | 216,000 | 305,000 | 406,000 | 654,000 |
| Noninterest expense | 1,084,000 | 2,154,000 | 3,202,000 | 4,517,000 |
| Provision for loan losses | 297,000 | 286,000 | 305,000 | 305,000 |
| Pretax income | -205,000 | -277,000 | -314,000 | -451,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | -205,000 | -278,000 | -315,000 | -451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,413,000 | 17,344,000 | 17,312,000 | 17,182,000 |
| Total capital | 18,168,000 | 18,079,000 | 18,104,000 | 17,974,000 |
| Risk-weighted assets | 59,194,000 | 57,636,000 | 62,292,000 | 62,252,000 |