Call reports 2020
STELLAR BANK — 2020
What STELLAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 4,997,924,000 | 5,834,155,000 | 5,964,666,000 | 6,046,137,000 |
| Total loans | 3,955,545,000 | 4,583,656,000 | 4,592,362,000 | 4,491,764,000 |
| Allowance for loan losses | 37,511,000 | 47,642,000 | 48,698,000 | 53,173,000 |
| Securities available for sale | 508,250,000 | 618,751,000 | 663,301,000 | 772,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,976,728,000 | 4,722,709,000 | 4,936,489,000 | 5,005,711,000 |
| Interest-bearing deposits | 2,736,043,000 | 2,946,582,000 | 3,144,666,000 | 3,283,915,000 |
| Noninterest-bearing deposits | 1,240,685,000 | 1,776,127,000 | 1,791,823,000 | 1,721,796,000 |
| Equity capital | 764,830,000 | 796,204,000 | 815,037,000 | 820,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 57,449,000 | 117,902,000 | 178,714,000 | 241,759,000 |
| Interest expense | 11,473,000 | 20,052,000 | 27,941,000 | 35,062,000 |
| Net interest income | 45,976,000 | 97,850,000 | 150,773,000 | 206,697,000 |
| Noninterest income | 2,720,000 | 4,280,000 | 6,126,000 | 8,141,000 |
| Noninterest expense | 32,160,000 | 61,686,000 | 93,975,000 | 127,248,000 |
| Provision for loan losses | 10,990,000 | 21,659,000 | 23,006,000 | 26,543,000 |
| Pretax income | 5,546,000 | 18,785,000 | 39,918,000 | 61,047,000 |
| Income tax | 1,093,000 | 3,415,000 | 7,362,000 | 11,503,000 |
| Net income | 4,453,000 | 15,370,000 | 32,556,000 | 49,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 512,816,000 | 524,722,000 | 542,898,000 | 544,331,000 |
| Total capital | 589,975,000 | 612,044,000 | 631,309,000 | 635,223,000 |
| Risk-weighted assets | 4,075,045,000 | 4,087,131,000 | 4,097,401,000 | 4,085,056,000 |