Call reports 2004
BANKSTAR FINANCIAL — 2004
What BANKSTAR FINANCIAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,103,000 | 45,159,000 | 46,102,000 | 47,098,000 |
| Total loans | 32,316,000 | 35,478,000 | 35,773,000 | 36,763,000 |
| Allowance for loan losses | 620,000 | 625,000 | 653,000 | 683,000 |
| Securities available for sale | 6,565,000 | 6,297,000 | 6,101,000 | 5,583,000 |
| Securities held to maturity | 350,000 | 349,000 | 323,000 | 316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,941,000 | 38,978,000 | 39,771,000 | 40,824,000 |
| Interest-bearing deposits | 32,783,000 | 34,422,000 | 35,082,000 | 35,510,000 |
| Noninterest-bearing deposits | 6,158,000 | 4,556,000 | 4,689,000 | 5,314,000 |
| Equity capital | 4,151,000 | 4,156,000 | 4,325,000 | 4,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 630,000 | 1,284,000 | 1,985,000 | 2,677,000 |
| Interest expense | 209,000 | 436,000 | 664,000 | 896,000 |
| Net interest income | 421,000 | 848,000 | 1,321,000 | 1,781,000 |
| Noninterest income | 139,000 | 278,000 | 362,000 | 480,000 |
| Noninterest expense | 416,000 | 781,000 | 1,158,000 | 1,597,000 |
| Provision for loan losses | 10,000 | 53,000 | 103,000 | 137,000 |
| Pretax income | 134,000 | 292,000 | 422,000 | 527,000 |
| Income tax | 8,000 | 18,000 | 25,000 | 32,000 |
| Net income | 126,000 | 274,000 | 397,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,071,000 | 4,207,000 | 4,326,000 | 4,274,000 |
| Total capital | 4,500,000 | 4,664,000 | 4,792,000 | 4,753,000 |
| Risk-weighted assets | 34,099,000 | 36,392,000 | 37,084,000 | 38,144,000 |