Call reports 2003
STAR FINANCIAL BANK — 2003
What STAR FINANCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,296,482,000 | 1,362,324,000 | 1,319,678,000 | 1,320,890,000 |
| Total loans | 943,933,000 | 991,077,000 | 1,013,116,000 | 1,015,026,000 |
| Allowance for loan losses | 11,074,000 | 11,506,000 | 11,605,000 | 11,660,000 |
| Securities available for sale | 167,387,000 | 165,578,000 | 160,435,000 | 175,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 986,794,000 | 1,047,013,000 | 1,015,695,000 | 1,029,792,000 |
| Interest-bearing deposits | 787,024,000 | 844,365,000 | 809,473,000 | 813,335,000 |
| Noninterest-bearing deposits | 199,770,000 | 202,647,000 | 206,222,000 | 216,457,000 |
| Equity capital | 115,327,000 | 118,080,000 | 119,257,000 | 120,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 16,815,000 | 33,353,000 | 50,076,000 | 68,829,000 |
| Interest expense | 5,468,000 | 10,758,000 | 15,782,000 | 21,041,000 |
| Net interest income | 11,347,000 | 22,595,000 | 34,294,000 | 47,788,000 |
| Noninterest income | 8,551,000 | 14,570,000 | 22,437,000 | 25,429,000 |
| Noninterest expense | 13,331,000 | 25,074,000 | 38,146,000 | 49,803,000 |
| Provision for loan losses | 1,050,000 | 2,250,000 | 3,600,000 | 5,100,000 |
| Pretax income | 5,517,000 | 9,841,000 | 14,985,000 | 18,314,000 |
| Income tax | 1,656,000 | 2,710,000 | 4,445,000 | 4,658,000 |
| Net income | 3,861,000 | 7,131,000 | 10,540,000 | 13,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,146,000 | 110,483,000 | 112,585,000 | 114,714,000 |
| Total capital | 119,220,000 | 121,989,000 | 124,190,000 | 126,374,000 |
| Risk-weighted assets | 1,057,387,000 | 1,106,186,000 | 1,049,759,000 | 1,076,698,000 |