Call reports 2010
STAR FINANCIAL BANK — 2010
What STAR FINANCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,658,047,000 | 1,680,518,000 | 1,610,704,000 | 1,603,122,000 |
| Total loans | 1,193,615,000 | 1,203,938,000 | 1,202,686,000 | 1,154,465,000 |
| Allowance for loan losses | 16,426,000 | 22,845,000 | 22,116,000 | 20,291,000 |
| Securities available for sale | 204,172,000 | 216,909,000 | 224,853,000 | 235,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,315,623,000 | 1,349,946,000 | 1,290,673,000 | 1,291,887,000 |
| Interest-bearing deposits | 1,019,253,000 | 1,055,250,000 | 980,492,000 | 968,206,000 |
| Noninterest-bearing deposits | 296,370,000 | 294,696,000 | 310,181,000 | 323,681,000 |
| Equity capital | 141,398,000 | 140,542,000 | 144,895,000 | 142,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 18,501,000 | 36,984,000 | 55,474,000 | 73,304,000 |
| Interest expense | 4,202,000 | 8,302,000 | 12,167,000 | 15,705,000 |
| Net interest income | 14,299,000 | 28,682,000 | 43,307,000 | 57,599,000 |
| Noninterest income | 7,030,000 | 13,750,000 | 22,584,000 | 31,159,000 |
| Noninterest expense | 15,790,000 | 31,499,000 | 47,497,000 | 63,500,000 |
| Provision for loan losses | 4,055,000 | 12,883,000 | 15,160,000 | 17,360,000 |
| Pretax income | 1,471,000 | -1,963,000 | 4,324,000 | 8,988,000 |
| Income tax | -120,000 | -2,227,000 | -155,000 | 966,000 |
| Net income | 1,591,000 | 264,000 | 4,479,000 | 8,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,359,000 | 139,253,000 | 143,710,000 | 145,821,000 |
| Total capital | 156,785,000 | 156,866,000 | 161,314,000 | 162,574,000 |
| Risk-weighted assets | 1,380,226,000 | 1,403,811,000 | 1,403,795,000 | 1,336,681,000 |