Call reports 2007
STAR FINANCIAL BANK — 2007
What STAR FINANCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,517,870,000 | 1,511,753,000 | 1,511,364,000 | 1,597,125,000 |
| Total loans | 1,152,393,000 | 1,165,014,000 | 1,164,399,000 | 1,200,742,000 |
| Allowance for loan losses | 12,936,000 | 12,847,000 | 12,986,000 | 12,941,000 |
| Securities available for sale | 217,257,000 | 217,185,000 | 207,723,000 | 244,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,203,938,000 | 1,180,398,000 | 1,196,823,000 | 1,223,194,000 |
| Interest-bearing deposits | 1,010,868,000 | 988,644,000 | 1,009,554,000 | 1,030,372,000 |
| Noninterest-bearing deposits | 193,070,000 | 191,754,000 | 187,269,000 | 192,822,000 |
| Equity capital | 128,334,000 | 127,693,000 | 132,364,000 | 134,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 23,849,000 | 47,799,000 | 72,276,000 | 96,785,000 |
| Interest expense | 11,834,000 | 23,503,000 | 35,187,000 | 46,611,000 |
| Net interest income | 12,015,000 | 24,296,000 | 37,089,000 | 50,174,000 |
| Noninterest income | 5,829,000 | 11,781,000 | 17,885,000 | 24,326,000 |
| Noninterest expense | 13,659,000 | 27,514,000 | 41,158,000 | 56,031,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,400,000 | 4,500,000 |
| Pretax income | 2,985,000 | 6,163,000 | 10,416,000 | 13,969,000 |
| Income tax | 609,000 | 1,220,000 | 2,134,000 | 2,790,000 |
| Net income | 2,376,000 | 4,943,000 | 8,282,000 | 11,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,622,000 | 119,589,000 | 122,268,000 | 123,788,000 |
| Total capital | 131,558,000 | 132,436,000 | 135,254,000 | 136,729,000 |
| Risk-weighted assets | 1,247,270,000 | 1,255,358,000 | 1,266,428,000 | 1,310,423,000 |