Call reports 2011
STAR FINANCIAL BANK — 2011
What STAR FINANCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,596,210,000 | 1,590,375,000 | 1,589,114,000 | 1,622,469,000 |
| Total loans | 1,137,102,000 | 1,132,860,000 | 1,123,408,000 | 1,102,128,000 |
| Allowance for loan losses | 21,715,000 | 22,141,000 | 21,418,000 | 21,691,000 |
| Securities available for sale | 239,421,000 | 222,046,000 | 227,429,000 | 228,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,286,886,000 | 1,295,931,000 | 1,281,396,000 | 1,346,374,000 |
| Interest-bearing deposits | 974,388,000 | 976,484,000 | 941,400,000 | 986,364,000 |
| Noninterest-bearing deposits | 312,498,000 | 319,447,000 | 339,996,000 | 360,010,000 |
| Equity capital | 145,226,000 | 150,502,000 | 152,875,000 | 153,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 16,966,000 | 33,908,000 | 50,504,000 | 66,610,000 |
| Interest expense | 3,057,000 | 5,731,000 | 8,148,000 | 10,231,000 |
| Net interest income | 13,909,000 | 28,177,000 | 42,356,000 | 56,379,000 |
| Noninterest income | 7,385,000 | 15,887,000 | 23,711,000 | 31,459,000 |
| Noninterest expense | 15,503,000 | 31,161,000 | 47,652,000 | 64,743,000 |
| Provision for loan losses | 2,227,000 | 1,227,000 | 1,227,000 | 1,977,000 |
| Pretax income | 3,693,000 | 12,037,000 | 16,350,000 | 20,038,000 |
| Income tax | 865,000 | 3,579,000 | 4,803,000 | 5,716,000 |
| Net income | 2,828,000 | 8,458,000 | 11,547,000 | 14,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,171,000 | 151,827,000 | 153,213,000 | 154,881,000 |
| Total capital | 163,565,000 | 168,298,000 | 169,456,000 | 171,019,000 |
| Risk-weighted assets | 1,306,209,000 | 1,311,342,000 | 1,294,301,000 | 1,285,642,000 |