Call reports 2013
BANKSTAR FINANCIAL — 2013
What BANKSTAR FINANCIAL reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 66,773,000 | 69,244,000 | 67,800,000 | 72,041,000 |
| Total loans | 48,528,000 | 51,566,000 | 53,704,000 | 57,673,000 |
| Allowance for loan losses | 494,000 | 492,000 | 539,000 | 546,000 |
| Securities available for sale | 8,055,000 | 8,928,000 | 8,619,000 | 8,226,000 |
| Securities held to maturity | 186,000 | 185,000 | 183,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,818,000 | 60,646,000 | 58,098,000 | 56,497,000 |
| Interest-bearing deposits | 45,104,000 | 47,060,000 | 45,483,000 | 43,668,000 |
| Noninterest-bearing deposits | 12,714,000 | 13,586,000 | 12,616,000 | 12,829,000 |
| Equity capital | 6,275,000 | 5,891,000 | 6,098,000 | 5,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 741,000 | 1,500,000 | 2,278,000 | 3,050,000 |
| Interest expense | 137,000 | 268,000 | 404,000 | 534,000 |
| Net interest income | 604,000 | 1,232,000 | 1,874,000 | 2,516,000 |
| Noninterest income | 62,000 | 126,000 | 189,000 | 255,000 |
| Noninterest expense | 491,000 | 1,028,000 | 1,549,000 | 2,244,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 175,000 | 330,000 | 464,000 | 477,000 |
| Income tax | 7,000 | 13,000 | 18,000 | 22,000 |
| Net income | 168,000 | 317,000 | 446,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,045,000 | 6,044,000 | 6,173,000 | 6,017,000 |
| Total capital | 6,539,000 | 6,536,000 | 6,712,000 | 6,563,000 |
| Risk-weighted assets | 45,735,000 | 49,024,000 | 50,919,000 | 55,198,000 |