Call reports 2009
STELLAR BANK — 2009
What STELLAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 238,143,000 | 255,638,000 | 312,977,000 | 337,808,000 |
| Total loans | 190,528,000 | 216,281,000 | 225,626,000 | 254,301,000 |
| Allowance for loan losses | 1,215,000 | 1,728,000 | 2,155,000 | 3,180,000 |
| Securities available for sale | 4,584,000 | 5,518,000 | 8,036,000 | 8,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,073,000 | 228,023,000 | 285,627,000 | 298,978,000 |
| Interest-bearing deposits | 176,194,000 | 188,453,000 | 231,848,000 | 240,239,000 |
| Noninterest-bearing deposits | 33,879,000 | 39,570,000 | 53,779,000 | 58,739,000 |
| Equity capital | 27,892,000 | 27,248,000 | 26,965,000 | 38,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,845,000 | 6,123,000 | 9,814,000 | 13,899,000 |
| Interest expense | 1,049,000 | 2,108,000 | 3,223,000 | 4,254,000 |
| Net interest income | 1,796,000 | 4,015,000 | 6,591,000 | 9,645,000 |
| Noninterest income | 74,000 | 171,000 | 270,000 | 365,000 |
| Noninterest expense | 2,107,000 | 4,556,000 | 7,238,000 | 10,021,000 |
| Provision for loan losses | 448,000 | 995,000 | 1,422,000 | 2,462,000 |
| Pretax income | -685,000 | -1,365,000 | -1,799,000 | -2,473,000 |
| Income tax | -20,000 | -41,000 | -62,000 | -82,000 |
| Net income | -665,000 | -1,324,000 | -1,737,000 | -2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,798,000 | 27,200,000 | 26,848,000 | 38,253,000 |
| Total capital | 29,013,000 | 28,928,000 | 29,003,000 | 41,433,000 |
| Risk-weighted assets | 192,867,000 | 213,010,000 | 238,112,000 | 260,550,000 |