Call reports 2013
STAR FINANCIAL BANK — 2013
What STAR FINANCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,654,387,000 | 1,606,469,000 | 1,664,261,000 | 1,664,812,000 |
| Total loans | 1,123,476,000 | 1,146,118,000 | 1,175,256,000 | 1,202,308,000 |
| Allowance for loan losses | 21,486,000 | 21,382,000 | 20,929,000 | 20,691,000 |
| Securities available for sale | 241,326,000 | 257,368,000 | 258,183,000 | 268,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,406,562,000 | 1,367,358,000 | 1,407,678,000 | 1,414,328,000 |
| Interest-bearing deposits | 981,215,000 | 951,967,000 | 960,156,000 | 964,732,000 |
| Noninterest-bearing deposits | 425,347,000 | 415,391,000 | 447,522,000 | 449,596,000 |
| Equity capital | 160,884,000 | 160,823,000 | 162,384,000 | 165,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 13,940,000 | 27,833,000 | 42,081,000 | 56,602,000 |
| Interest expense | 1,354,000 | 2,547,000 | 3,634,000 | 4,615,000 |
| Net interest income | 12,586,000 | 25,286,000 | 38,447,000 | 51,987,000 |
| Noninterest income | 6,319,000 | 13,702,000 | 20,122,000 | 27,242,000 |
| Noninterest expense | 14,360,000 | 28,917,000 | 43,441,000 | 57,246,000 |
| Provision for loan losses | 800,000 | 1,600,000 | 2,400,000 | 3,750,000 |
| Pretax income | 3,745,000 | 8,471,000 | 12,728,000 | 18,233,000 |
| Income tax | 1,174,000 | 2,701,000 | 3,999,000 | 5,760,000 |
| Net income | 2,571,000 | 5,770,000 | 8,729,000 | 12,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,178,000 | 165,267,000 | 166,615,000 | 169,260,000 |
| Total capital | 179,397,000 | 181,835,000 | 183,598,000 | 186,622,000 |
| Risk-weighted assets | 1,292,277,000 | 1,320,610,000 | 1,355,541,000 | 1,385,627,000 |