Call reports 2010
STELLAR BANK — 2010
What STELLAR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 346,006,000 | 389,825,000 | 388,407,000 | 429,306,000 |
| Total loans | 276,747,000 | 293,349,000 | 307,040,000 | 322,035,000 |
| Allowance for loan losses | 3,436,000 | 3,667,000 | 3,838,000 | 4,026,000 |
| Securities available for sale | 8,663,000 | 20,233,000 | 11,034,000 | 12,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,511,000 | 345,492,000 | 343,299,000 | 383,957,000 |
| Interest-bearing deposits | 253,102,000 | 274,889,000 | 279,579,000 | 305,519,000 |
| Noninterest-bearing deposits | 53,409,000 | 70,603,000 | 63,720,000 | 78,438,000 |
| Equity capital | 38,982,000 | 43,623,000 | 44,360,000 | 44,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,245,000 | 8,847,000 | 13,720,000 | 18,767,000 |
| Interest expense | 858,000 | 1,689,000 | 2,529,000 | 3,379,000 |
| Net interest income | 3,387,000 | 7,158,000 | 11,191,000 | 15,388,000 |
| Noninterest income | 111,000 | 253,000 | 420,000 | 551,000 |
| Noninterest expense | 2,814,000 | 5,760,000 | 8,745,000 | 12,331,000 |
| Provision for loan losses | 257,000 | 770,000 | 1,336,000 | 1,692,000 |
| Pretax income | 427,000 | 881,000 | 1,530,000 | 1,916,000 |
| Income tax | -37,000 | -63,000 | -88,000 | -118,000 |
| Net income | 464,000 | 944,000 | 1,618,000 | 2,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,828,000 | 43,383,000 | 44,129,000 | 44,634,000 |
| Total capital | 42,160,000 | 47,018,000 | 47,873,000 | 48,551,000 |
| Risk-weighted assets | 266,424,000 | 290,806,000 | 299,417,000 | 324,962,000 |