Call reports 2012
BANKSTAR FINANCIAL — 2012
What BANKSTAR FINANCIAL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 63,634,000 | 63,165,000 | 64,441,000 | 63,462,000 |
| Total loans | 46,201,000 | 47,483,000 | 48,275,000 | 48,693,000 |
| Allowance for loan losses | 490,000 | 501,000 | 500,000 | 495,000 |
| Securities available for sale | 10,329,000 | 9,883,000 | 9,163,000 | 8,362,000 |
| Securities held to maturity | 202,000 | 200,000 | 199,000 | 188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,532,000 | 50,972,000 | 51,904,000 | 54,078,000 |
| Interest-bearing deposits | 41,308,000 | 41,691,000 | 42,220,000 | 43,709,000 |
| Noninterest-bearing deposits | 10,224,000 | 9,281,000 | 9,684,000 | 10,369,000 |
| Equity capital | 5,907,000 | 5,993,000 | 6,326,000 | 6,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,546,000 | 2,332,000 | 3,077,000 |
| Interest expense | 171,000 | 343,000 | 516,000 | 676,000 |
| Net interest income | 595,000 | 1,203,000 | 1,816,000 | 2,401,000 |
| Noninterest income | 52,000 | 111,000 | 172,000 | 240,000 |
| Noninterest expense | 484,000 | 1,000,000 | 1,490,000 | 2,096,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 148,000 | 294,000 | 478,000 | 680,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 27,000 |
| Net income | 142,000 | 282,000 | 459,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,474,000 | 5,504,000 | 5,811,000 | 5,877,000 |
| Total capital | 5,964,000 | 6,005,000 | 6,311,000 | 6,372,000 |
| Risk-weighted assets | 49,370,000 | 50,824,000 | 51,253,000 | 45,916,000 |