Call reports 2015
STELLAR BANK — 2015
What STELLAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,884,418,000 | 1,945,509,000 | 2,013,262,000 | 2,084,410,000 |
| Total loans | 1,444,751,000 | 1,561,896,000 | 1,616,750,000 | 1,681,326,000 |
| Allowance for loan losses | 8,940,000 | 10,313,000 | 11,205,000 | 13,098,000 |
| Securities available for sale | 96,910,000 | 151,662,000 | 154,546,000 | 165,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,657,518,000 | 1,639,126,000 | 1,659,557,000 | 1,778,654,000 |
| Interest-bearing deposits | 1,089,096,000 | 1,068,822,000 | 1,095,774,000 | 1,138,814,000 |
| Noninterest-bearing deposits | 568,422,000 | 570,304,000 | 563,783,000 | 639,840,000 |
| Equity capital | 223,869,000 | 226,914,000 | 232,801,000 | 249,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,817,000 | 42,664,000 | 65,308,000 | 88,800,000 |
| Interest expense | 1,657,000 | 3,395,000 | 5,274,000 | 7,355,000 |
| Net interest income | 19,160,000 | 39,269,000 | 60,034,000 | 81,445,000 |
| Noninterest income | 864,000 | 1,809,000 | 3,007,000 | 4,019,000 |
| Noninterest expense | 13,546,000 | 26,907,000 | 40,763,000 | 54,612,000 |
| Provision for loan losses | 683,000 | 2,103,000 | 3,633,000 | 5,792,000 |
| Pretax income | 5,795,000 | 12,068,000 | 18,645,000 | 25,023,000 |
| Income tax | 2,046,000 | 4,154,000 | 6,250,000 | 8,274,000 |
| Net income | 3,749,000 | 7,914,000 | 12,395,000 | 16,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 181,106,000 | 185,354,000 | 189,917,000 | 206,389,000 |
| Total capital | 190,046,000 | 195,667,000 | 201,121,000 | 219,487,000 |
| Risk-weighted assets | 1,569,811,000 | 1,713,333,000 | 1,776,678,000 | 1,834,735,000 |