Call reports 2016
BANKSTAR FINANCIAL — 2016
What BANKSTAR FINANCIAL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,500,000 | 145,585,000 | 148,540,000 | 156,205,000 |
| Total loans | 107,591,000 | 115,579,000 | 117,936,000 | 116,901,000 |
| Allowance for loan losses | 693,000 | 704,000 | 764,000 | 798,000 |
| Securities available for sale | 13,372,000 | 14,604,000 | 14,990,000 | 19,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,068,000 | 122,050,000 | 125,738,000 | 135,785,000 |
| Interest-bearing deposits | 94,116,000 | 98,436,000 | 100,554,000 | 109,476,000 |
| Noninterest-bearing deposits | 22,952,000 | 23,614,000 | 25,184,000 | 26,309,000 |
| Equity capital | 15,094,000 | 15,656,000 | 15,855,000 | 15,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 2,991,000 | 4,592,000 | 6,148,000 |
| Interest expense | 209,000 | 419,000 | 646,000 | 889,000 |
| Net interest income | 1,233,000 | 2,572,000 | 3,946,000 | 5,259,000 |
| Noninterest income | 119,000 | 253,000 | 322,000 | 450,000 |
| Noninterest expense | 913,000 | 1,822,000 | 2,889,000 | 3,919,000 |
| Provision for loan losses | 25,000 | 25,000 | 75,000 | 125,000 |
| Pretax income | 414,000 | 978,000 | 1,304,000 | 1,665,000 |
| Income tax | 18,000 | 42,000 | 56,000 | 71,000 |
| Net income | 396,000 | 936,000 | 1,248,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,472,000 | 12,921,000 | 13,142,000 | 12,948,000 |
| Total capital | 13,165,000 | 13,625,000 | 13,906,000 | 13,746,000 |
| Risk-weighted assets | 100,856,000 | 107,794,000 | 109,811,000 | 109,651,000 |