Call reports 2011
STELLAR BANK — 2011
What STELLAR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 456,845,000 | 488,677,000 | 541,862,000 | 617,193,000 |
| Total loans | 333,830,000 | 378,434,000 | 418,986,000 | 463,324,000 |
| Allowance for loan losses | 4,173,000 | 4,730,000 | 5,237,000 | 5,543,000 |
| Securities available for sale | 18,056,000 | 20,394,000 | 23,897,000 | 23,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,514,000 | 441,690,000 | 492,985,000 | 563,654,000 |
| Interest-bearing deposits | 329,776,000 | 341,950,000 | 368,119,000 | 416,377,000 |
| Noninterest-bearing deposits | 80,738,000 | 99,740,000 | 124,866,000 | 147,277,000 |
| Equity capital | 45,547,000 | 46,050,000 | 47,734,000 | 52,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,239,000 | 11,054,000 | 17,509,000 | 24,513,000 |
| Interest expense | 785,000 | 1,569,000 | 2,434,000 | 3,323,000 |
| Net interest income | 4,454,000 | 9,485,000 | 15,075,000 | 21,190,000 |
| Noninterest income | 206,000 | 394,000 | 612,000 | 847,000 |
| Noninterest expense | 3,901,000 | 7,680,000 | 11,666,000 | 16,371,000 |
| Provision for loan losses | 146,000 | 1,325,000 | 1,831,000 | 2,454,000 |
| Pretax income | 613,000 | 874,000 | 2,190,000 | 3,212,000 |
| Income tax | -32,000 | -55,000 | -55,000 | 206,000 |
| Net income | 645,000 | 929,000 | 2,245,000 | 3,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,374,000 | 45,725,000 | 47,136,000 | 51,752,000 |
| Total capital | 49,525,000 | 50,455,000 | 52,373,000 | 57,295,000 |
| Risk-weighted assets | 332,062,000 | 381,276,000 | 411,897,000 | 454,490,000 |