Call reports 2008
STAR FINANCIAL BANK — 2008
What STAR FINANCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,608,599,000 | 1,689,593,000 | 1,703,835,000 | 1,678,956,000 |
| Total loans | 1,226,863,000 | 1,314,320,000 | 1,318,130,000 | 1,322,724,000 |
| Allowance for loan losses | 13,627,000 | 14,266,000 | 14,097,000 | 14,241,000 |
| Securities available for sale | 236,901,000 | 227,136,000 | 207,947,000 | 217,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,231,298,000 | 1,266,016,000 | 1,299,933,000 | 1,282,804,000 |
| Interest-bearing deposits | 1,027,639,000 | 1,045,747,000 | 1,077,942,000 | 1,064,931,000 |
| Noninterest-bearing deposits | 203,659,000 | 220,269,000 | 221,991,000 | 217,873,000 |
| Equity capital | 137,600,000 | 135,952,000 | 135,038,000 | 141,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 23,671,000 | 46,887,000 | 70,344,000 | 92,800,000 |
| Interest expense | 10,233,000 | 18,908,000 | 27,998,000 | 36,085,000 |
| Net interest income | 13,438,000 | 27,979,000 | 42,346,000 | 56,715,000 |
| Noninterest income | 6,648,000 | 13,027,000 | 19,952,000 | 26,025,000 |
| Noninterest expense | 14,573,000 | 29,205,000 | 44,496,000 | 59,514,000 |
| Provision for loan losses | 1,125,000 | 2,322,000 | 3,797,000 | 5,782,000 |
| Pretax income | 4,388,000 | 9,479,000 | 14,005,000 | 17,890,000 |
| Income tax | 976,000 | 2,197,000 | 3,160,000 | 3,865,000 |
| Net income | 3,412,000 | 7,282,000 | 10,845,000 | 14,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,388,000 | 128,369,000 | 133,627,000 | 135,551,000 |
| Total capital | 140,015,000 | 142,635,000 | 147,724,000 | 149,792,000 |
| Risk-weighted assets | 1,341,169,000 | 1,409,715,000 | 1,423,730,000 | 1,411,978,000 |