Call reports 2019
STELLAR BANK — 2019
What STELLAR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 4,766,025,000 | 4,790,854,000 | 4,902,178,000 | 4,985,690,000 |
| Total loans | 3,806,235,000 | 3,857,963,000 | 3,886,004,000 | 3,915,310,000 |
| Allowance for loan losses | 27,123,000 | 27,941,000 | 29,808,000 | 29,438,000 |
| Securities available for sale | 345,716,000 | 348,173,000 | 353,000,000 | 372,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,782,191,000 | 3,863,390,000 | 3,959,108,000 | 4,082,224,000 |
| Interest-bearing deposits | 2,598,088,000 | 2,687,218,000 | 2,669,647,000 | 2,815,869,000 |
| Noninterest-bearing deposits | 1,184,103,000 | 1,176,172,000 | 1,289,461,000 | 1,266,355,000 |
| Equity capital | 715,419,000 | 731,459,000 | 746,403,000 | 759,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 57,147,000 | 116,091,000 | 174,753,000 | 232,900,000 |
| Interest expense | 12,322,000 | 25,281,000 | 38,553,000 | 51,218,000 |
| Net interest income | 44,825,000 | 90,810,000 | 136,200,000 | 181,682,000 |
| Noninterest income | 3,285,000 | 7,126,000 | 10,011,000 | 13,406,000 |
| Noninterest expense | 30,767,000 | 60,529,000 | 90,287,000 | 119,405,000 |
| Provision for loan losses | 1,002,000 | 2,408,000 | 5,005,000 | 5,940,000 |
| Pretax income | 16,341,000 | 34,999,000 | 50,919,000 | 69,743,000 |
| Income tax | 3,216,000 | 7,052,000 | 10,291,000 | 14,132,000 |
| Net income | 13,125,000 | 27,947,000 | 40,628,000 | 55,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 463,353,000 | 479,353,000 | 493,213,000 | 509,372,000 |
| Total capital | 529,994,000 | 546,844,000 | 562,604,000 | 578,425,000 |
| Risk-weighted assets | 3,971,531,000 | 3,988,577,000 | 4,016,090,000 | 4,019,454,000 |