Call reports 2016
STELLAR BANK — 2016
What STELLAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,209,151,000 | 2,365,075,000 | 2,460,028,000 | 2,454,484,000 |
| Total loans | 1,717,503,000 | 1,753,715,000 | 1,831,031,000 | 1,892,014,000 |
| Allowance for loan losses | 13,757,000 | 14,917,000 | 17,185,000 | 17,912,000 |
| Securities available for sale | 215,401,000 | 303,463,000 | 310,033,000 | 316,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,862,114,000 | 1,863,710,000 | 1,921,954,000 | 1,893,630,000 |
| Interest-bearing deposits | 1,158,408,000 | 1,212,650,000 | 1,296,602,000 | 1,276,432,000 |
| Noninterest-bearing deposits | 703,706,000 | 651,060,000 | 625,352,000 | 617,198,000 |
| Equity capital | 257,200,000 | 266,726,000 | 270,893,000 | 268,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 23,452,000 | 47,978,000 | 74,297,000 | 100,777,000 |
| Interest expense | 2,244,000 | 4,694,000 | 7,472,000 | 10,395,000 |
| Net interest income | 21,208,000 | 43,284,000 | 66,825,000 | 90,382,000 |
| Noninterest income | 3,302,000 | 4,510,000 | 5,782,000 | 7,227,000 |
| Noninterest expense | 14,104,000 | 27,811,000 | 42,535,000 | 58,542,000 |
| Provision for loan losses | 710,000 | 2,355,000 | 4,569,000 | 5,469,000 |
| Pretax income | 9,696,000 | 17,628,000 | 25,503,000 | 33,628,000 |
| Income tax | 3,165,000 | 5,622,000 | 7,830,000 | 9,982,000 |
| Net income | 6,531,000 | 12,006,000 | 17,673,000 | 23,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 212,227,000 | 217,820,000 | 223,603,000 | 229,694,000 |
| Total capital | 225,984,000 | 232,737,000 | 240,788,000 | 247,606,000 |
| Risk-weighted assets | 1,912,974,000 | 1,975,680,000 | 2,050,824,000 | 2,132,967,000 |