Call reports 2002
BANKSTAR FINANCIAL — 2002
What BANKSTAR FINANCIAL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 26,749,000 | 27,485,000 | 30,092,000 | 35,237,000 |
| Total loans | 17,403,000 | 18,671,000 | 20,694,000 | 23,678,000 |
| Allowance for loan losses | 295,000 | 330,000 | 349,000 | 417,000 |
| Securities available for sale | 6,344,000 | 5,593,000 | 5,392,000 | 7,535,000 |
| Securities held to maturity | 598,000 | 596,000 | 341,000 | 335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,844,000 | 21,272,000 | 25,152,000 | 29,935,000 |
| Interest-bearing deposits | 18,633,000 | 18,827,000 | 21,807,000 | 26,285,000 |
| Noninterest-bearing deposits | 3,211,000 | 2,445,000 | 3,345,000 | 3,650,000 |
| Equity capital | 2,529,000 | 2,891,000 | 2,874,000 | 3,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 887,000 | 1,352,000 | 1,840,000 |
| Interest expense | 177,000 | 360,000 | 553,000 | 774,000 |
| Net interest income | 258,000 | 527,000 | 799,000 | 1,066,000 |
| Noninterest income | 66,000 | 142,000 | 212,000 | 286,000 |
| Noninterest expense | 293,000 | 596,000 | 959,000 | 1,351,000 |
| Provision for loan losses | 15,000 | 45,000 | 70,000 | 130,000 |
| Pretax income | 16,000 | 28,000 | -18,000 | -129,000 |
| Income tax | 1,000 | 2,000 | 1,000 | 0 |
| Net income | 15,000 | 26,000 | -19,000 | -129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,414,000 | 2,726,000 | 2,676,000 | 3,010,000 |
| Total capital | 2,663,000 | 2,988,000 | 2,966,000 | 3,341,000 |
| Risk-weighted assets | 19,867,000 | 20,899,000 | 23,157,000 | 26,419,000 |