Call reports 2006
BANKSTAR FINANCIAL — 2006
What BANKSTAR FINANCIAL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,786,000 | 49,277,000 | 49,359,000 | 47,245,000 |
| Total loans | 39,885,000 | 39,849,000 | 40,703,000 | 39,699,000 |
| Allowance for loan losses | 850,000 | 747,000 | 925,000 | 901,000 |
| Securities available for sale | 4,793,000 | 4,604,000 | 4,380,000 | 4,279,000 |
| Securities held to maturity | 304,000 | 303,000 | 302,000 | 294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,245,000 | 41,249,000 | 40,306,000 | 38,311,000 |
| Interest-bearing deposits | 35,234,000 | 36,235,000 | 34,896,000 | 33,232,000 |
| Noninterest-bearing deposits | 5,011,000 | 5,014,000 | 5,410,000 | 5,079,000 |
| Equity capital | 4,489,000 | 4,433,000 | 4,463,000 | 4,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 819,000 | 1,663,000 | 2,500,000 | 3,325,000 |
| Interest expense | 310,000 | 701,000 | 1,082,000 | 1,456,000 |
| Net interest income | 509,000 | 962,000 | 1,418,000 | 1,869,000 |
| Noninterest income | 103,000 | 223,000 | 317,000 | 447,000 |
| Noninterest expense | 379,000 | 788,000 | 1,225,000 | 1,690,000 |
| Provision for loan losses | 55,000 | 115,000 | 291,000 | 314,000 |
| Pretax income | 178,000 | 282,000 | 219,000 | 312,000 |
| Income tax | 11,000 | 17,000 | 13,000 | 19,000 |
| Net income | 167,000 | 265,000 | 206,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,639,000 | 4,635,000 | 4,577,000 | 4,464,000 |
| Total capital | 5,157,000 | 5,153,000 | 5,100,000 | 4,975,000 |
| Risk-weighted assets | 41,119,000 | 41,193,000 | 41,456,000 | 40,508,000 |