Call reports 2023
STELLAR BANK — 2023
What STELLAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 10,595,556,000 | 10,768,709,000 | 10,655,435,000 | 10,636,734,000 |
| Total loans | 7,886,044,000 | 8,068,718,000 | 8,004,528,000 | 7,925,133,000 |
| Allowance for loan losses | 96,188,000 | 100,195,000 | 93,575,000 | 91,684,000 |
| Securities available for sale | 1,518,099,000 | 1,477,157,000 | 1,413,913,000 | 1,394,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,759,081,000 | 8,779,730,000 | 8,703,911,000 | 8,899,088,000 |
| Interest-bearing deposits | 4,861,016,000 | 5,052,833,000 | 5,030,333,000 | 5,326,655,000 |
| Noninterest-bearing deposits | 3,898,065,000 | 3,726,897,000 | 3,673,578,000 | 3,572,433,000 |
| Equity capital | 1,488,292,000 | 1,506,720,000 | 1,504,032,000 | 1,556,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 140,413,000 | 287,370,000 | 438,637,000 | 590,809,000 |
| Interest expense | 23,558,000 | 61,199,000 | 104,680,000 | 149,862,000 |
| Net interest income | 116,855,000 | 226,171,000 | 333,957,000 | 440,947,000 |
| Noninterest income | 7,240,000 | 12,734,000 | 17,457,000 | 25,315,000 |
| Noninterest expense | 71,181,000 | 138,915,000 | 208,984,000 | 286,227,000 |
| Provision for loan losses | 3,200,000 | 7,443,000 | 8,941,000 | 9,625,000 |
| Pretax income | 49,499,000 | 94,642,000 | 134,735,000 | 170,313,000 |
| Income tax | 10,425,000 | 18,418,000 | 26,228,000 | 33,157,000 |
| Net income | 39,074,000 | 76,224,000 | 108,507,000 | 137,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 967,650,000 | 1,011,659,000 | 1,040,743,000 | 1,060,624,000 |
| Total capital | 1,105,515,000 | 1,153,970,000 | 1,174,693,000 | 1,186,710,000 |
| Risk-weighted assets | 8,902,412,000 | 8,890,914,000 | 8,817,632,000 | 8,696,831,000 |