Call reports 2006
STAR FINANCIAL BANK — 2006
What STAR FINANCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,430,684,000 | 1,506,208,000 | 1,507,016,000 | 1,570,788,000 |
| Total loans | 1,104,561,000 | 1,134,075,000 | 1,139,881,000 | 1,159,055,000 |
| Allowance for loan losses | 12,716,000 | 12,888,000 | 12,992,000 | 12,144,000 |
| Securities available for sale | 200,710,000 | 198,675,000 | 208,962,000 | 215,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,103,852,000 | 1,212,099,000 | 1,215,907,000 | 1,258,362,000 |
| Interest-bearing deposits | 916,851,000 | 1,016,547,000 | 1,031,699,000 | 1,054,263,000 |
| Noninterest-bearing deposits | 187,001,000 | 195,552,000 | 184,208,000 | 204,099,000 |
| Equity capital | 123,798,000 | 123,903,000 | 125,865,000 | 127,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 20,479,000 | 42,424,000 | 65,772,000 | 89,482,000 |
| Interest expense | 8,250,000 | 18,254,000 | 29,743,000 | 41,639,000 |
| Net interest income | 12,229,000 | 24,170,000 | 36,029,000 | 47,843,000 |
| Noninterest income | 4,113,000 | 8,868,000 | 13,517,000 | 21,154,000 |
| Noninterest expense | 11,506,000 | 23,929,000 | 36,536,000 | 52,310,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 3,000,000 | 4,400,000 |
| Pretax income | 3,790,000 | 7,148,000 | 10,243,000 | 12,520,000 |
| Income tax | 860,000 | 1,344,000 | 1,739,000 | 2,054,000 |
| Net income | 2,930,000 | 5,804,000 | 8,504,000 | 10,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,348,000 | 122,441,000 | 122,339,000 | 117,752,000 |
| Total capital | 134,064,000 | 135,329,000 | 135,331,000 | 129,896,000 |
| Risk-weighted assets | 1,192,519,000 | 1,224,878,000 | 1,238,857,000 | 1,266,685,000 |