Call reports 2012
STAR FINANCIAL BANK — 2012
What STAR FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,616,328,000 | 1,624,794,000 | 1,617,595,000 | 1,662,264,000 |
| Total loans | 1,133,873,000 | 1,138,180,000 | 1,150,188,000 | 1,163,094,000 |
| Allowance for loan losses | 22,108,000 | 21,690,000 | 21,640,000 | 21,091,000 |
| Securities available for sale | 241,555,000 | 248,192,000 | 246,596,000 | 244,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,332,241,000 | 1,348,562,000 | 1,358,521,000 | 1,415,549,000 |
| Interest-bearing deposits | 956,037,000 | 965,316,000 | 975,085,000 | 986,587,000 |
| Noninterest-bearing deposits | 376,204,000 | 383,246,000 | 383,436,000 | 428,962,000 |
| Equity capital | 156,703,000 | 160,397,000 | 158,574,000 | 160,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,565,000 | 31,449,000 | 46,602,000 | 61,171,000 |
| Interest expense | 1,896,000 | 3,710,000 | 5,395,000 | 6,964,000 |
| Net interest income | 13,669,000 | 27,739,000 | 41,207,000 | 54,207,000 |
| Noninterest income | 7,429,000 | 16,269,000 | 24,206,000 | 32,365,000 |
| Noninterest expense | 16,020,000 | 31,922,000 | 47,682,000 | 63,046,000 |
| Provision for loan losses | 753,000 | 1,033,000 | 2,284,000 | 3,034,000 |
| Pretax income | 4,325,000 | 11,053,000 | 15,447,000 | 20,492,000 |
| Income tax | 1,241,000 | 3,421,000 | 4,674,000 | 6,385,000 |
| Net income | 3,084,000 | 7,632,000 | 10,773,000 | 14,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,427,000 | 159,258,000 | 160,494,000 | 162,604,000 |
| Total capital | 172,904,000 | 175,766,000 | 176,164,000 | 179,356,000 |
| Risk-weighted assets | 1,312,566,000 | 1,315,491,000 | 1,247,639,000 | 1,335,850,000 |