Call reports 2008
STELLAR BANK — 2008
What STELLAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,884,000 | 140,527,000 | 163,676,000 | 194,049,000 |
| Total loans | 67,757,000 | 117,493,000 | 140,723,000 | 169,724,000 |
| Allowance for loan losses | 166,000 | 359,000 | 662,000 | 767,000 |
| Securities available for sale | 0 | 0 | 0 | 4,970,000 |
| Securities held to maturity | 0 | 4,977,000 | 4,905,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,420,000 | 108,027,000 | 134,511,000 | 165,289,000 |
| Interest-bearing deposits | 58,687,000 | 87,589,000 | 108,138,000 | 138,624,000 |
| Noninterest-bearing deposits | 13,733,000 | 20,438,000 | 26,373,000 | 26,665,000 |
| Equity capital | 30,285,000 | 29,483,000 | 28,959,000 | 28,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,843,000 | 5,130,000 | 7,759,000 |
| Interest expense | 259,000 | 881,000 | 1,603,000 | 2,568,000 |
| Net interest income | 815,000 | 1,962,000 | 3,527,000 | 5,191,000 |
| Noninterest income | 10,000 | 45,000 | 72,000 | 125,000 |
| Noninterest expense | 1,381,000 | 3,172,000 | 4,985,000 | 7,103,000 |
| Provision for loan losses | 106,000 | 299,000 | 602,000 | 820,000 |
| Pretax income | -662,000 | -1,464,000 | -1,988,000 | -2,607,000 |
| Income tax | 0 | 0 | 0 | -17,000 |
| Net income | -662,000 | -1,464,000 | -1,988,000 | -2,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,285,000 | 29,483,000 | 28,959,000 | 28,403,000 |
| Total capital | 30,451,000 | 29,842,000 | 29,621,000 | 29,170,000 |
| Risk-weighted assets | 73,927,000 | 116,975,000 | 141,003,000 | 169,005,000 |