Call reports 2004
STAR FINANCIAL BANK — 2004
What STAR FINANCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,341,193,000 | 1,347,220,000 | 1,322,069,000 | 1,370,954,000 |
| Total loans | 1,005,829,000 | 999,586,000 | 992,715,000 | 998,542,000 |
| Allowance for loan losses | 11,588,000 | 11,789,000 | 11,698,000 | 11,785,000 |
| Securities available for sale | 176,820,000 | 185,260,000 | 182,998,000 | 192,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,041,517,000 | 1,047,651,000 | 1,025,042,000 | 1,064,081,000 |
| Interest-bearing deposits | 824,824,000 | 830,820,000 | 810,160,000 | 840,082,000 |
| Noninterest-bearing deposits | 216,693,000 | 216,831,000 | 214,882,000 | 223,999,000 |
| Equity capital | 123,571,000 | 124,434,000 | 128,010,000 | 130,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 16,636,000 | 32,960,000 | 49,567,000 | 66,389,000 |
| Interest expense | 5,034,000 | 10,029,000 | 15,191,000 | 20,657,000 |
| Net interest income | 11,602,000 | 22,931,000 | 34,376,000 | 45,732,000 |
| Noninterest income | 5,532,000 | 11,487,000 | 17,004,000 | 22,280,000 |
| Noninterest expense | 12,732,000 | 24,879,000 | 36,811,000 | 48,674,000 |
| Provision for loan losses | 1,325,000 | 2,575,000 | 3,700,000 | 4,600,000 |
| Pretax income | 3,089,000 | 6,976,000 | 11,142,000 | 15,011,000 |
| Income tax | 828,000 | 1,823,000 | 3,023,000 | 3,478,000 |
| Net income | 2,261,000 | 5,153,000 | 8,119,000 | 11,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,002,000 | 119,883,000 | 122,857,000 | 126,281,000 |
| Total capital | 128,590,000 | 131,672,000 | 134,555,000 | 138,066,000 |
| Risk-weighted assets | 1,058,821,000 | 1,047,389,000 | 1,042,212,000 | 1,068,690,000 |