Call reports 2014
BANKSTAR FINANCIAL — 2014
What BANKSTAR FINANCIAL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 115,196,000 | 118,965,000 | 122,198,000 | 125,099,000 |
| Total loans | 86,719,000 | 93,467,000 | 96,776,000 | 100,425,000 |
| Allowance for loan losses | 528,000 | 566,000 | 564,000 | 598,000 |
| Securities available for sale | 13,401,000 | 13,633,000 | 13,703,000 | 13,383,000 |
| Securities held to maturity | 170,000 | 168,000 | 166,000 | 154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,967,000 | 98,226,000 | 100,148,000 | 104,321,000 |
| Interest-bearing deposits | 77,186,000 | 78,801,000 | 78,122,000 | 81,846,000 |
| Noninterest-bearing deposits | 22,781,000 | 19,425,000 | 22,026,000 | 22,475,000 |
| Equity capital | 12,880,000 | 13,312,000 | 13,549,000 | 13,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,519,000 | 3,874,000 | 5,263,000 |
| Interest expense | 136,000 | 263,000 | 391,000 | 521,000 |
| Net interest income | 1,083,000 | 2,256,000 | 3,483,000 | 4,742,000 |
| Noninterest income | 97,000 | 209,000 | 331,000 | 680,000 |
| Noninterest expense | 872,000 | 1,830,000 | 2,836,000 | 3,780,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 60,000 |
| Pretax income | 260,000 | 551,000 | 894,000 | 1,576,000 |
| Income tax | 10,000 | 22,000 | 33,000 | 69,000 |
| Net income | 250,000 | 529,000 | 861,000 | 1,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,208,000 | 10,492,000 | 10,740,000 | 11,003,000 |
| Total capital | 10,736,000 | 11,058,000 | 11,304,000 | 11,601,000 |
| Risk-weighted assets | 82,976,000 | 88,590,000 | 91,741,000 | 94,963,000 |