Call reports 2014
STELLAR BANK — 2014
What STELLAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,160,012,000 | 1,206,361,000 | 1,239,294,000 | 1,280,741,000 |
| Total loans | 874,384,000 | 933,318,000 | 965,225,000 | 1,002,280,000 |
| Allowance for loan losses | 6,656,000 | 7,462,000 | 7,740,000 | 8,246,000 |
| Securities available for sale | 85,350,000 | 90,273,000 | 88,914,000 | 84,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,044,982,000 | 1,079,408,000 | 1,108,730,000 | 1,146,612,000 |
| Interest-bearing deposits | 716,789,000 | 734,907,000 | 740,139,000 | 759,888,000 |
| Noninterest-bearing deposits | 328,193,000 | 344,501,000 | 368,591,000 | 386,724,000 |
| Equity capital | 112,132,000 | 124,204,000 | 126,795,000 | 129,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 12,026,000 | 24,821,000 | 38,353,000 | 52,404,000 |
| Interest expense | 1,291,000 | 2,624,000 | 3,957,000 | 5,341,000 |
| Net interest income | 10,735,000 | 22,197,000 | 34,396,000 | 47,063,000 |
| Noninterest income | 553,000 | 1,198,000 | 1,925,000 | 2,525,000 |
| Noninterest expense | 7,524,000 | 15,157,000 | 23,725,000 | 32,638,000 |
| Provision for loan losses | 50,000 | 900,000 | 1,650,000 | 2,150,000 |
| Pretax income | 3,714,000 | 7,338,000 | 10,946,000 | 14,882,000 |
| Income tax | 1,287,000 | 2,550,000 | 3,795,000 | 5,191,000 |
| Net income | 2,427,000 | 4,788,000 | 7,151,000 | 9,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,297,000 | 110,760,000 | 113,398,000 | 116,226,000 |
| Total capital | 105,953,000 | 118,222,000 | 121,138,000 | 124,472,000 |
| Risk-weighted assets | 874,583,000 | 944,762,000 | 967,673,000 | 988,331,000 |