Call reports 2020
STAR FINANCIAL BANK — 2020
What STAR FINANCIAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,102,643,000 | 2,483,628,000 | 2,560,920,000 | 2,595,550,000 |
| Total loans | 1,484,039,000 | 1,719,193,000 | 1,729,769,000 | 1,716,054,000 |
| Allowance for loan losses | 20,121,000 | 20,285,000 | 22,276,000 | 23,111,000 |
| Securities available for sale | 414,058,000 | 385,015,000 | 425,300,000 | 539,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,815,656,000 | 2,177,463,000 | 2,238,028,000 | 2,300,881,000 |
| Interest-bearing deposits | 1,167,261,000 | 1,299,765,000 | 1,303,057,000 | 1,329,817,000 |
| Noninterest-bearing deposits | 648,395,000 | 877,698,000 | 934,971,000 | 971,064,000 |
| Equity capital | 237,054,000 | 241,518,000 | 246,568,000 | 252,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 20,099,000 | 39,498,000 | 58,901,000 | 78,950,000 |
| Interest expense | 2,509,000 | 3,685,000 | 4,464,000 | 5,170,000 |
| Net interest income | 17,590,000 | 35,813,000 | 54,437,000 | 73,780,000 |
| Noninterest income | 5,910,000 | 11,808,000 | 19,016,000 | 25,877,000 |
| Noninterest expense | 17,002,000 | 32,819,000 | 50,075,000 | 68,063,000 |
| Provision for loan losses | 500,000 | 2,500,000 | 3,750,000 | 4,250,000 |
| Pretax income | 5,998,000 | 12,552,000 | 19,878,000 | 30,259,000 |
| Income tax | 1,125,000 | 2,321,000 | 3,710,000 | 5,751,000 |
| Net income | 4,873,000 | 10,231,000 | 16,168,000 | 24,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 226,466,000 | 229,423,000 | 233,360,000 | 239,201,000 |
| Total capital | 246,587,000 | 249,708,000 | 255,636,000 | 261,938,000 |
| Risk-weighted assets | 1,822,309,000 | 1,838,695,000 | 1,824,223,000 | 1,818,550,000 |