Call reports 2005
STAR FINANCIAL BANK — 2005
What STAR FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,357,811,000 | 1,381,683,000 | 1,392,115,000 | 1,406,461,000 |
| Total loans | 1,008,452,000 | 1,029,233,000 | 1,040,271,000 | 1,071,311,000 |
| Allowance for loan losses | 12,044,000 | 12,625,000 | 12,662,000 | 12,026,000 |
| Securities available for sale | 206,683,000 | 206,459,000 | 200,929,000 | 201,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,053,097,000 | 1,075,030,000 | 1,074,992,000 | 1,080,258,000 |
| Interest-bearing deposits | 840,563,000 | 873,064,000 | 880,854,000 | 883,065,000 |
| Noninterest-bearing deposits | 212,534,000 | 201,966,000 | 194,138,000 | 197,193,000 |
| Equity capital | 131,677,000 | 135,685,000 | 137,532,000 | 139,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 17,105,000 | 35,161,000 | 54,013,000 | 73,925,000 |
| Interest expense | 5,739,000 | 12,172,000 | 19,007,000 | 26,706,000 |
| Net interest income | 11,366,000 | 22,989,000 | 35,006,000 | 47,219,000 |
| Noninterest income | 5,432,000 | 11,495,000 | 17,539,000 | 22,953,000 |
| Noninterest expense | 12,733,000 | 25,696,000 | 38,556,000 | 51,866,000 |
| Provision for loan losses | 900,000 | 1,650,000 | 2,400,000 | 3,225,000 |
| Pretax income | 3,165,000 | 7,138,000 | 11,589,000 | 15,081,000 |
| Income tax | 705,000 | 1,607,000 | 2,710,000 | 3,259,000 |
| Net income | 2,460,000 | 5,531,000 | 8,879,000 | 11,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,450,000 | 131,521,000 | 134,174,000 | 136,617,000 |
| Total capital | 140,494,000 | 144,146,000 | 146,615,000 | 148,643,000 |
| Risk-weighted assets | 1,075,933,000 | 1,100,545,000 | 1,118,817,000 | 1,160,003,000 |