Call reports 2002
STAR FINANCIAL BANK — 2002
What STAR FINANCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,206,699,000 | 1,237,161,000 | 1,268,889,000 | 1,274,587,000 |
| Total loans | 844,740,000 | 889,454,000 | 925,832,000 | 924,072,000 |
| Allowance for loan losses | 10,445,000 | 9,994,000 | 10,340,000 | 10,466,000 |
| Securities available for sale | 213,729,000 | 194,665,000 | 184,407,000 | 175,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 938,996,000 | 948,145,000 | 957,213,000 | 975,925,000 |
| Interest-bearing deposits | 776,500,000 | 779,863,000 | 795,218,000 | 782,538,000 |
| Noninterest-bearing deposits | 162,496,000 | 168,282,000 | 161,995,000 | 193,387,000 |
| Equity capital | 104,674,000 | 108,832,000 | 111,723,000 | 113,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 18,390,000 | 36,269,000 | 54,470,000 | 72,689,000 |
| Interest expense | 7,585,000 | 14,812,000 | 22,215,000 | 28,456,000 |
| Net interest income | 10,805,000 | 21,457,000 | 32,255,000 | 44,233,000 |
| Noninterest income | 7,389,000 | 14,634,000 | 20,648,000 | 29,509,000 |
| Noninterest expense | 13,413,000 | 26,233,000 | 38,727,000 | 52,813,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,690,000 |
| Pretax income | 3,984,000 | 8,333,000 | 11,751,000 | 17,514,000 |
| Income tax | 1,122,000 | 2,274,000 | 3,199,000 | 4,551,000 |
| Net income | 2,862,000 | 6,059,000 | 8,552,000 | 12,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,716,000 | 102,404,000 | 104,489,000 | 107,144,000 |
| Total capital | 110,161,000 | 112,398,000 | 114,829,000 | 117,610,000 |
| Risk-weighted assets | 932,795,000 | 955,390,000 | 966,930,000 | 997,020,000 |