Call reports 2010
BANKSTAR FINANCIAL — 2010
What BANKSTAR FINANCIAL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,784,000 | 56,080,000 | 56,965,000 | 57,949,000 |
| Total loans | 41,086,000 | 42,011,000 | 43,092,000 | 42,007,000 |
| Allowance for loan losses | 723,000 | 442,000 | 397,000 | 398,000 |
| Securities available for sale | 7,084,000 | 8,272,000 | 7,992,000 | 9,556,000 |
| Securities held to maturity | 231,000 | 229,000 | 227,000 | 219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,151,000 | 46,351,000 | 47,630,000 | 48,585,000 |
| Interest-bearing deposits | 39,533,000 | 39,753,000 | 39,553,000 | 40,348,000 |
| Noninterest-bearing deposits | 6,618,000 | 6,598,000 | 8,077,000 | 8,237,000 |
| Equity capital | 4,881,000 | 4,908,000 | 5,044,000 | 5,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,400,000 | 2,166,000 | 2,936,000 |
| Interest expense | 208,000 | 434,000 | 658,000 | 870,000 |
| Net interest income | 488,000 | 966,000 | 1,508,000 | 2,066,000 |
| Noninterest income | 76,000 | 145,000 | 216,000 | 295,000 |
| Noninterest expense | 469,000 | 947,000 | 1,379,000 | 1,857,000 |
| Provision for loan losses | 21,000 | 118,000 | 139,000 | 160,000 |
| Pretax income | 74,000 | 46,000 | 206,000 | 344,000 |
| Income tax | 3,000 | 2,000 | 8,000 | 6,000 |
| Net income | 71,000 | 44,000 | 198,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,576,000 | 4,549,000 | 4,668,000 | 4,808,000 |
| Total capital | 5,129,000 | 4,991,000 | 5,065,000 | 5,206,000 |
| Risk-weighted assets | 44,105,000 | 45,423,000 | 45,286,000 | 45,125,000 |