Call reports 2014
STAR FINANCIAL BANK — 2014
What STAR FINANCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,707,905,000 | 1,700,090,000 | 1,708,205,000 | 1,749,201,000 |
| Total loans | 1,215,377,000 | 1,222,540,000 | 1,206,877,000 | 1,203,593,000 |
| Allowance for loan losses | 21,241,000 | 21,431,000 | 21,642,000 | 20,691,000 |
| Securities available for sale | 276,137,000 | 281,209,000 | 282,069,000 | 300,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,457,199,000 | 1,447,950,000 | 1,437,088,000 | 1,470,988,000 |
| Interest-bearing deposits | 992,759,000 | 994,062,000 | 962,575,000 | 972,292,000 |
| Noninterest-bearing deposits | 464,440,000 | 453,888,000 | 474,513,000 | 498,696,000 |
| Equity capital | 168,100,000 | 171,613,000 | 172,411,000 | 175,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 14,238,000 | 28,439,000 | 42,673,000 | 56,815,000 |
| Interest expense | 901,000 | 1,783,000 | 2,728,000 | 3,661,000 |
| Net interest income | 13,337,000 | 26,656,000 | 39,945,000 | 53,154,000 |
| Noninterest income | 5,876,000 | 11,981,000 | 18,641,000 | 24,732,000 |
| Noninterest expense | 14,191,000 | 28,189,000 | 43,490,000 | 57,914,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,600,000 | 331,000 |
| Pretax income | 4,422,000 | 9,248,000 | 13,496,000 | 19,641,000 |
| Income tax | 1,424,000 | 3,063,000 | 4,476,000 | 6,147,000 |
| Net income | 2,998,000 | 6,185,000 | 9,020,000 | 13,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,666,000 | 172,861,000 | 173,999,000 | 176,478,000 |
| Total capital | 188,326,000 | 190,673,000 | 191,596,000 | 194,088,000 |
| Risk-weighted assets | 1,409,190,000 | 1,421,348,000 | 1,403,737,000 | 1,405,718,000 |