Call reports 2023
STAR FINANCIAL BANK — 2023
What STAR FINANCIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,965,998,000 | 2,922,957,000 | 2,963,191,000 | 2,983,044,000 |
| Total loans | 1,635,860,000 | 1,627,818,000 | 1,684,514,000 | 1,666,788,000 |
| Allowance for loan losses | 19,794,000 | 21,357,000 | 19,900,000 | 19,202,000 |
| Securities available for sale | 1,106,602,000 | 1,077,100,000 | 1,037,350,000 | 1,063,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,548,947,000 | 2,523,183,000 | 2,535,716,000 | 2,560,762,000 |
| Interest-bearing deposits | 1,598,924,000 | 1,608,229,000 | 1,647,356,000 | 1,649,052,000 |
| Noninterest-bearing deposits | 950,023,000 | 914,954,000 | 888,360,000 | 911,710,000 |
| Equity capital | 198,607,000 | 201,457,000 | 187,629,000 | 225,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 29,983,000 | 62,905,000 | 95,555,000 | 130,884,000 |
| Interest expense | 7,303,000 | 17,033,000 | 28,516,000 | 42,282,000 |
| Net interest income | 22,680,000 | 45,872,000 | 67,039,000 | 88,602,000 |
| Noninterest income | 6,021,000 | 13,089,000 | 19,063,000 | 24,980,000 |
| Noninterest expense | 19,875,000 | 39,032,000 | 58,483,000 | 78,105,000 |
| Provision for loan losses | 0 | 2,998,000 | 3,273,000 | 2,523,000 |
| Pretax income | 8,168,000 | 16,521,000 | 24,011,000 | 31,869,000 |
| Income tax | 1,472,000 | 2,999,000 | 4,284,000 | 5,686,000 |
| Net income | 6,696,000 | 13,522,000 | 19,727,000 | 26,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 285,189,000 | 292,015,000 | 298,219,000 | 304,674,000 |
| Total capital | 306,803,000 | 314,944,000 | 319,616,000 | 326,123,000 |
| Risk-weighted assets | 2,164,339,000 | 2,148,125,000 | 2,335,068,000 | 2,473,786,000 |