Call reports 2023
BANKSTAR FINANCIAL — 2023
What BANKSTAR FINANCIAL reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 252,882,000 | 268,055,000 | 281,796,000 | 297,864,000 |
| Total loans | 204,734,000 | 216,407,000 | 229,295,000 | 238,475,000 |
| Allowance for loan losses | 2,186,000 | 2,219,000 | 2,268,000 | 2,319,000 |
| Securities available for sale | 35,259,000 | 36,705,000 | 34,326,000 | 35,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,987,000 | 215,181,000 | 226,903,000 | 229,649,000 |
| Interest-bearing deposits | 170,182,000 | 166,141,000 | 172,707,000 | 179,933,000 |
| Noninterest-bearing deposits | 49,805,000 | 49,040,000 | 54,196,000 | 49,716,000 |
| Equity capital | 20,379,000 | 20,596,000 | 19,782,000 | 22,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,967,000 | 6,199,000 | 9,792,000 | 13,701,000 |
| Interest expense | 900,000 | 2,062,000 | 3,597,000 | 5,293,000 |
| Net interest income | 2,067,000 | 4,137,000 | 6,195,000 | 8,408,000 |
| Noninterest income | 151,000 | 319,000 | 527,000 | 720,000 |
| Noninterest expense | 1,584,000 | 3,212,000 | 5,003,000 | 6,815,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 584,000 | 1,144,000 | 1,569,000 | 2,113,000 |
| Income tax | 25,000 | 48,000 | 65,000 | 118,000 |
| Net income | 559,000 | 1,096,000 | 1,504,000 | 1,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,958,000 | 21,496,000 | 21,907,000 | 22,401,000 |
| Total capital | 23,144,000 | 23,715,000 | 24,175,000 | 24,720,000 |
| Risk-weighted assets | 193,452,000 | 205,053,000 | 217,507,000 | 227,215,000 |