Call reports 2025
BANKSTAR FINANCIAL — 2025
What BANKSTAR FINANCIAL reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 333,747,000 | 328,072,000 | 338,843,000 | 350,390,000 |
| Total loans | 259,399,000 | 255,033,000 | 263,944,000 | 272,370,000 |
| Allowance for loan losses | 2,606,000 | 2,705,000 | 2,624,000 | 2,708,000 |
| Securities available for sale | 36,466,000 | 36,081,000 | 36,388,000 | 33,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,853,000 | 267,549,000 | 279,191,000 | 292,706,000 |
| Interest-bearing deposits | 217,703,000 | 222,821,000 | 233,341,000 | 242,555,000 |
| Noninterest-bearing deposits | 53,150,000 | 44,728,000 | 45,850,000 | 50,151,000 |
| Equity capital | 28,835,000 | 30,197,000 | 31,667,000 | 33,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,712,000 | 9,702,000 | 14,714,000 | 20,059,000 |
| Interest expense | 2,081,000 | 4,223,000 | 6,358,000 | 8,413,000 |
| Net interest income | 2,631,000 | 5,479,000 | 8,356,000 | 11,646,000 |
| Noninterest income | 208,000 | 437,000 | 676,000 | 892,000 |
| Noninterest expense | 1,784,000 | 3,578,000 | 5,374,000 | 7,338,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 955,000 | 2,137,000 | 3,359,000 | 4,801,000 |
| Income tax | 37,000 | 86,000 | 137,000 | 220,000 |
| Net income | 918,000 | 2,051,000 | 3,222,000 | 4,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,204,000 | 30,092,000 | 31,263,000 | 32,374,000 |
| Total capital | 31,810,000 | 32,797,000 | 33,887,000 | 35,082,000 |
| Risk-weighted assets | 259,653,000 | 255,922,000 | 266,350,000 | 274,929,000 |