Call reports 2015
BANKSTAR FINANCIAL — 2015
What BANKSTAR FINANCIAL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,474,000 | 129,343,000 | 130,524,000 | 134,819,000 |
| Total loans | 99,023,000 | 104,219,000 | 104,047,000 | 106,672,000 |
| Allowance for loan losses | 637,000 | 634,000 | 661,000 | 685,000 |
| Securities available for sale | 12,702,000 | 12,041,000 | 11,668,000 | 12,116,000 |
| Securities held to maturity | 152,000 | 150,000 | 10,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,844,000 | 109,404,000 | 110,227,000 | 115,785,000 |
| Interest-bearing deposits | 84,817,000 | 87,940,000 | 87,722,000 | 91,632,000 |
| Noninterest-bearing deposits | 22,027,000 | 21,464,000 | 22,505,000 | 24,153,000 |
| Equity capital | 14,268,000 | 14,511,000 | 14,892,000 | 14,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,328,000 | 2,732,000 | 4,154,000 | 5,590,000 |
| Interest expense | 125,000 | 257,000 | 459,000 | 665,000 |
| Net interest income | 1,203,000 | 2,475,000 | 3,695,000 | 4,925,000 |
| Noninterest income | 94,000 | 204,000 | 342,000 | 462,000 |
| Noninterest expense | 828,000 | 1,706,000 | 2,618,000 | 3,505,000 |
| Provision for loan losses | 25,000 | 25,000 | 45,000 | 65,000 |
| Pretax income | 444,000 | 948,000 | 1,374,000 | 1,851,000 |
| Income tax | 17,000 | 40,000 | 60,000 | 77,000 |
| Net income | 427,000 | 908,000 | 1,314,000 | 1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,638,000 | 12,026,000 | 12,338,000 | 12,254,000 |
| Total capital | 12,275,000 | 12,660,000 | 12,999,000 | 12,939,000 |
| Risk-weighted assets | 92,065,000 | 97,277,000 | 97,275,000 | 100,152,000 |