Call reports 2007
BANKSTAR FINANCIAL — 2007
What BANKSTAR FINANCIAL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,619,000 | 51,011,000 | 52,742,000 | 51,371,000 |
| Total loans | 40,922,000 | 41,237,000 | 40,378,000 | 39,585,000 |
| Allowance for loan losses | 949,000 | 980,000 | 1,017,000 | 1,019,000 |
| Securities available for sale | 4,169,000 | 4,003,000 | 5,526,000 | 6,062,000 |
| Securities held to maturity | 293,000 | 292,000 | 265,000 | 258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,033,000 | 39,802,000 | 43,047,000 | 42,142,000 |
| Interest-bearing deposits | 33,549,000 | 35,181,000 | 37,484,000 | 35,722,000 |
| Noninterest-bearing deposits | 4,484,000 | 4,621,000 | 5,563,000 | 6,420,000 |
| Equity capital | 4,484,000 | 4,501,000 | 4,778,000 | 4,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 848,000 | 1,833,000 | 2,876,000 | 3,748,000 |
| Interest expense | 385,000 | 797,000 | 1,226,000 | 1,659,000 |
| Net interest income | 463,000 | 1,036,000 | 1,650,000 | 2,089,000 |
| Noninterest income | 64,000 | 154,000 | 244,000 | 328,000 |
| Noninterest expense | 409,000 | 897,000 | 1,346,000 | 1,851,000 |
| Provision for loan losses | 32,000 | 65,000 | 65,000 | 65,000 |
| Pretax income | 86,000 | 228,000 | 483,000 | 501,000 |
| Income tax | 5,000 | 14,000 | 29,000 | 20,000 |
| Net income | 81,000 | 214,000 | 454,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,551,000 | 4,606,000 | 4,843,000 | 4,574,000 |
| Total capital | 5,081,000 | 5,146,000 | 5,381,000 | 5,104,000 |
| Risk-weighted assets | 41,988,000 | 42,723,000 | 42,597,000 | 41,943,000 |