Call reports 2013
STELLAR BANK — 2013
What STELLAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 798,898,000 | 826,548,000 | 882,323,000 | 1,166,535,000 |
| Total loans | 600,641,000 | 633,086,000 | 660,913,000 | 836,781,000 |
| Allowance for loan losses | 6,644,000 | 6,635,000 | 6,526,000 | 6,655,000 |
| Securities available for sale | 38,853,000 | 48,032,000 | 46,275,000 | 87,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 729,941,000 | 757,838,000 | 806,633,000 | 1,052,530,000 |
| Interest-bearing deposits | 511,242,000 | 530,423,000 | 562,635,000 | 720,024,000 |
| Noninterest-bearing deposits | 218,699,000 | 227,415,000 | 243,998,000 | 332,506,000 |
| Equity capital | 65,024,000 | 65,882,000 | 72,306,000 | 109,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,712,000 | 17,812,000 | 27,378,000 | 38,312,000 |
| Interest expense | 992,000 | 2,024,000 | 3,142,000 | 4,436,000 |
| Net interest income | 7,720,000 | 15,788,000 | 24,236,000 | 33,876,000 |
| Noninterest income | 336,000 | 717,000 | 1,092,000 | 1,682,000 |
| Noninterest expense | 5,376,000 | 11,143,000 | 16,785,000 | 24,202,000 |
| Provision for loan losses | 240,000 | 240,000 | 240,000 | 240,000 |
| Pretax income | 2,440,000 | 5,122,000 | 8,303,000 | 11,116,000 |
| Income tax | 846,000 | 1,782,000 | 2,836,000 | 3,871,000 |
| Net income | 1,594,000 | 3,340,000 | 5,467,000 | 7,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,558,000 | 66,395,000 | 72,588,000 | 96,665,000 |
| Total capital | 71,202,000 | 73,030,000 | 79,114,000 | 103,320,000 |
| Risk-weighted assets | 588,226,000 | 622,709,000 | 657,041,000 | 838,951,000 |