Call reports 2012
STELLAR BANK — 2012
What STELLAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 638,227,000 | 688,022,000 | 768,628,000 | 775,361,000 |
| Total loans | 498,694,000 | 547,629,000 | 573,817,000 | 577,372,000 |
| Allowance for loan losses | 5,945,000 | 6,547,000 | 6,811,000 | 6,539,000 |
| Securities available for sale | 22,860,000 | 27,470,000 | 36,434,000 | 36,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 583,099,000 | 625,547,000 | 703,957,000 | 708,947,000 |
| Interest-bearing deposits | 427,950,000 | 449,753,000 | 497,301,000 | 487,500,000 |
| Noninterest-bearing deposits | 155,149,000 | 175,794,000 | 206,656,000 | 221,447,000 |
| Equity capital | 53,241,000 | 60,748,000 | 62,323,000 | 63,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,484,000 | 15,547,000 | 24,188,000 | 32,901,000 |
| Interest expense | 881,000 | 1,778,000 | 2,764,000 | 3,780,000 |
| Net interest income | 6,603,000 | 13,769,000 | 21,424,000 | 29,121,000 |
| Noninterest income | 246,000 | 525,000 | 878,000 | 1,170,000 |
| Noninterest expense | 5,125,000 | 10,267,000 | 15,451,000 | 20,845,000 |
| Provision for loan losses | 394,000 | 941,000 | 1,727,000 | 2,337,000 |
| Pretax income | 1,330,000 | 3,086,000 | 5,124,000 | 7,109,000 |
| Income tax | 476,000 | 1,105,000 | 1,808,000 | 2,518,000 |
| Net income | 854,000 | 1,981,000 | 3,316,000 | 4,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,748,000 | 60,158,000 | 61,535,000 | 62,874,000 |
| Total capital | 58,693,000 | 66,705,000 | 68,346,000 | 69,413,000 |
| Risk-weighted assets | 489,932,000 | 530,430,000 | 561,103,000 | 569,612,000 |