Call reports 2020
BANKSTAR FINANCIAL — 2020
What BANKSTAR FINANCIAL reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 202,358,000 | 214,772,000 | 215,170,000 | 213,971,000 |
| Total loans | 157,709,000 | 170,128,000 | 169,095,000 | 162,405,000 |
| Allowance for loan losses | 1,281,000 | 1,434,000 | 1,536,000 | 1,640,000 |
| Securities available for sale | 29,503,000 | 28,914,000 | 28,249,000 | 30,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,927,000 | 176,030,000 | 180,775,000 | 181,462,000 |
| Interest-bearing deposits | 132,916,000 | 145,024,000 | 146,552,000 | 143,798,000 |
| Noninterest-bearing deposits | 28,011,000 | 31,006,000 | 34,223,000 | 37,664,000 |
| Equity capital | 19,815,000 | 20,443,000 | 21,140,000 | 21,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,242,000 | 4,563,000 | 6,842,000 | 9,046,000 |
| Interest expense | 530,000 | 921,000 | 1,251,000 | 1,525,000 |
| Net interest income | 1,712,000 | 3,642,000 | 5,591,000 | 7,521,000 |
| Noninterest income | 126,000 | 234,000 | 400,000 | 563,000 |
| Noninterest expense | 1,189,000 | 2,342,000 | 3,511,000 | 4,769,000 |
| Provision for loan losses | 50,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 599,000 | 1,334,000 | 2,180,000 | 2,915,000 |
| Income tax | 30,000 | 82,000 | 106,000 | 136,000 |
| Net income | 569,000 | 1,252,000 | 2,074,000 | 2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,542,000 | 17,140,000 | 17,878,000 | 17,749,000 |
| Total capital | 17,823,000 | 18,574,000 | 19,414,000 | 19,389,000 |
| Risk-weighted assets | 138,684,000 | 145,734,000 | 146,762,000 | 145,989,000 |