Call reports 2009
BANKSTAR FINANCIAL — 2009
What BANKSTAR FINANCIAL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,231,000 | 49,385,000 | 50,548,000 | 51,618,000 |
| Total loans | 36,703,000 | 37,736,000 | 39,399,000 | 40,169,000 |
| Allowance for loan losses | 877,000 | 724,000 | 750,000 | 698,000 |
| Securities available for sale | 8,160,000 | 7,549,000 | 7,226,000 | 6,908,000 |
| Securities held to maturity | 244,000 | 242,000 | 241,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,376,000 | 39,402,000 | 40,024,000 | 41,605,000 |
| Interest-bearing deposits | 31,992,000 | 33,400,000 | 33,556,000 | 35,136,000 |
| Noninterest-bearing deposits | 6,384,000 | 6,002,000 | 6,468,000 | 6,469,000 |
| Equity capital | 4,830,000 | 4,683,000 | 4,864,000 | 4,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 655,000 | 1,316,000 | 2,028,000 | 2,722,000 |
| Interest expense | 210,000 | 416,000 | 617,000 | 864,000 |
| Net interest income | 445,000 | 900,000 | 1,411,000 | 1,858,000 |
| Noninterest income | 78,000 | 176,000 | 263,000 | 346,000 |
| Noninterest expense | 446,000 | 956,000 | 1,462,000 | 1,889,000 |
| Provision for loan losses | 12,000 | 174,000 | 186,000 | 198,000 |
| Pretax income | 71,000 | -48,000 | 32,000 | 123,000 |
| Income tax | 3,000 | 0 | 1,000 | 5,000 |
| Net income | 68,000 | -48,000 | 31,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,565,000 | 4,449,000 | 4,528,000 | 4,615,000 |
| Total capital | 5,056,000 | 4,954,000 | 5,050,000 | 5,148,000 |
| Risk-weighted assets | 38,886,000 | 40,206,000 | 41,546,000 | 42,468,000 |