Call reports 2019
BANKSTAR FINANCIAL — 2019
What BANKSTAR FINANCIAL reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 179,628,000 | 195,276,000 | 201,474,000 | 199,126,000 |
| Total loans | 138,184,000 | 150,776,000 | 153,110,000 | 153,746,000 |
| Allowance for loan losses | 1,120,000 | 1,167,000 | 1,215,000 | 1,250,000 |
| Securities available for sale | 28,220,000 | 29,075,000 | 29,132,000 | 30,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,297,000 | 162,770,000 | 165,739,000 | 166,658,000 |
| Interest-bearing deposits | 129,936,000 | 136,943,000 | 138,086,000 | 137,109,000 |
| Noninterest-bearing deposits | 26,361,000 | 25,827,000 | 27,653,000 | 29,549,000 |
| Equity capital | 17,774,000 | 18,437,000 | 19,118,000 | 18,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,333,000 | 6,671,000 | 8,962,000 |
| Interest expense | 540,000 | 1,135,000 | 1,758,000 | 2,370,000 |
| Net interest income | 1,542,000 | 3,198,000 | 4,913,000 | 6,592,000 |
| Noninterest income | 113,000 | 248,000 | 420,000 | 595,000 |
| Noninterest expense | 1,141,000 | 2,265,000 | 3,356,000 | 4,570,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 464,000 | 1,081,000 | 1,827,000 | 2,417,000 |
| Income tax | 24,000 | 57,000 | 90,000 | 115,000 |
| Net income | 440,000 | 1,024,000 | 1,737,000 | 2,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,333,000 | 15,788,000 | 16,372,000 | 16,057,000 |
| Total capital | 16,453,000 | 16,955,000 | 17,587,000 | 17,307,000 |
| Risk-weighted assets | 122,826,000 | 134,645,000 | 134,684,000 | 134,422,000 |