Call reports 2009
STAR FINANCIAL BANK — 2009
What STAR FINANCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,712,863,000 | 1,706,051,000 | 1,683,421,000 | 1,659,922,000 |
| Total loans | 1,281,849,000 | 1,272,925,000 | 1,243,655,000 | 1,229,235,000 |
| Allowance for loan losses | 14,372,000 | 14,729,000 | 14,671,000 | 14,657,000 |
| Securities available for sale | 263,359,000 | 267,500,000 | 205,897,000 | 205,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,342,083,000 | 1,344,321,000 | 1,314,194,000 | 1,319,098,000 |
| Interest-bearing deposits | 1,086,474,000 | 1,080,819,000 | 1,049,727,000 | 1,036,540,000 |
| Noninterest-bearing deposits | 255,609,000 | 263,502,000 | 264,467,000 | 282,558,000 |
| Equity capital | 140,284,000 | 144,766,000 | 142,764,000 | 140,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 20,758,000 | 41,005,000 | 60,912,000 | 80,155,000 |
| Interest expense | 6,595,000 | 12,449,000 | 17,818,000 | 22,436,000 |
| Net interest income | 14,163,000 | 28,556,000 | 43,094,000 | 57,719,000 |
| Noninterest income | 7,565,000 | 15,536,000 | 22,775,000 | 29,921,000 |
| Noninterest expense | 16,138,000 | 32,608,000 | 48,015,000 | 67,571,000 |
| Provision for loan losses | 2,048,000 | 5,488,000 | 9,038,000 | 13,438,000 |
| Pretax income | 4,268,000 | 6,341,000 | 8,088,000 | 6,472,000 |
| Income tax | 919,000 | 964,000 | 938,000 | 761,000 |
| Net income | 3,349,000 | 5,377,000 | 7,150,000 | 5,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,839,000 | 137,050,000 | 137,720,000 | 139,492,000 |
| Total capital | 152,211,000 | 151,779,000 | 152,391,000 | 154,149,000 |
| Risk-weighted assets | 1,439,616,000 | 1,487,111,000 | 1,426,905,000 | 1,415,537,000 |