Call reports 2011
BANKSTAR FINANCIAL — 2011
What BANKSTAR FINANCIAL reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 58,095,000 | 60,657,000 | 61,142,000 | 61,747,000 |
| Total loans | 42,337,000 | 43,990,000 | 45,432,000 | 46,543,000 |
| Allowance for loan losses | 469,000 | 480,000 | 441,000 | 480,000 |
| Securities available for sale | 8,854,000 | 12,072,000 | 11,437,000 | 10,873,000 |
| Securities held to maturity | 217,000 | 215,000 | 213,000 | 204,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,842,000 | 50,282,000 | 49,576,000 | 48,925,000 |
| Interest-bearing deposits | 40,460,000 | 42,137,000 | 40,170,000 | 39,747,000 |
| Noninterest-bearing deposits | 8,382,000 | 8,145,000 | 9,406,000 | 9,178,000 |
| Equity capital | 5,000,000 | 5,263,000 | 5,732,000 | 5,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,481,000 | 2,254,000 | 3,050,000 |
| Interest expense | 202,000 | 404,000 | 600,000 | 784,000 |
| Net interest income | 524,000 | 1,077,000 | 1,654,000 | 2,266,000 |
| Noninterest income | 61,000 | 139,000 | 220,000 | 295,000 |
| Noninterest expense | 464,000 | 955,000 | 1,437,000 | 1,889,000 |
| Provision for loan losses | 17,000 | 33,000 | 50,000 | 81,000 |
| Pretax income | 104,000 | 228,000 | 399,000 | 603,000 |
| Income tax | 4,000 | 9,000 | 16,000 | 24,000 |
| Net income | 100,000 | 219,000 | 383,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,738,000 | 4,857,000 | 5,248,000 | 5,362,000 |
| Total capital | 5,207,000 | 5,337,000 | 5,689,000 | 5,842,000 |
| Risk-weighted assets | 45,222,000 | 46,869,000 | 47,673,000 | 49,207,000 |