Call reports 2005
BANKSTAR FINANCIAL — 2005
What BANKSTAR FINANCIAL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,795,000 | 48,763,000 | 52,157,000 | 48,987,000 |
| Total loans | 37,389,000 | 39,226,000 | 40,921,000 | 39,758,000 |
| Allowance for loan losses | 720,000 | 743,000 | 764,000 | 792,000 |
| Securities available for sale | 5,951,000 | 5,718,000 | 5,166,000 | 4,951,000 |
| Securities held to maturity | 315,000 | 314,000 | 312,000 | 306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,518,000 | 40,499,000 | 42,431,000 | 40,593,000 |
| Interest-bearing deposits | 34,025,000 | 35,615,000 | 35,456,000 | 33,773,000 |
| Noninterest-bearing deposits | 5,493,000 | 4,884,000 | 6,975,000 | 6,820,000 |
| Equity capital | 4,261,000 | 4,405,000 | 4,474,000 | 4,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,428,000 | 2,214,000 | 2,985,000 |
| Interest expense | 237,000 | 519,000 | 840,000 | 1,144,000 |
| Net interest income | 452,000 | 909,000 | 1,374,000 | 1,841,000 |
| Noninterest income | 107,000 | 231,000 | 339,000 | 476,000 |
| Noninterest expense | 399,000 | 780,000 | 1,187,000 | 1,619,000 |
| Provision for loan losses | 38,000 | 70,000 | 102,000 | 123,000 |
| Pretax income | 122,000 | 290,000 | 424,000 | 575,000 |
| Income tax | 10,000 | 17,000 | 25,000 | 35,000 |
| Net income | 112,000 | 273,000 | 399,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,386,000 | 4,454,000 | 4,572,000 | 4,471,000 |
| Total capital | 4,873,000 | 4,959,000 | 5,106,000 | 4,988,000 |
| Risk-weighted assets | 38,737,000 | 40,167,000 | 42,472,000 | 41,089,000 |