Call reports 2003
BANKSTAR FINANCIAL — 2003
What BANKSTAR FINANCIAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 37,429,000 | 40,274,000 | 40,679,000 | 41,098,000 |
| Total loans | 26,588,000 | 28,413,000 | 31,028,000 | 31,705,000 |
| Allowance for loan losses | 448,000 | 583,000 | 580,000 | 616,000 |
| Securities available for sale | 7,638,000 | 7,300,000 | 6,158,000 | 5,930,000 |
| Securities held to maturity | 334,000 | 333,000 | 331,000 | 352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,353,000 | 34,163,000 | 33,577,000 | 34,949,000 |
| Interest-bearing deposits | 27,205,000 | 28,661,000 | 29,336,000 | 30,212,000 |
| Noninterest-bearing deposits | 4,148,000 | 5,502,000 | 4,241,000 | 4,737,000 |
| Equity capital | 4,014,000 | 4,044,000 | 4,064,000 | 4,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,096,000 | 1,665,000 | 2,263,000 |
| Interest expense | 231,000 | 441,000 | 656,000 | 865,000 |
| Net interest income | 312,000 | 655,000 | 1,009,000 | 1,398,000 |
| Noninterest income | 99,000 | 207,000 | 333,000 | 462,000 |
| Noninterest expense | 344,000 | 654,000 | 974,000 | 1,382,000 |
| Provision for loan losses | 35,000 | 190,000 | 241,000 | 261,000 |
| Pretax income | 32,000 | 18,000 | 127,000 | 219,000 |
| Income tax | 2,000 | 1,000 | 8,000 | 13,000 |
| Net income | 30,000 | 17,000 | 119,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,845,000 | 3,848,000 | 3,946,000 | 4,029,000 |
| Total capital | 4,206,000 | 4,230,000 | 4,351,000 | 4,442,000 |
| Risk-weighted assets | 28,801,000 | 30,255,000 | 32,252,000 | 32,837,000 |