Call reports 2002
STARION BANK — 2002
What STARION BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 334,805,000 | 332,241,000 | 341,928,000 | 349,957,000 |
| Total loans | 201,934,000 | 212,666,000 | 224,332,000 | 227,256,000 |
| Allowance for loan losses | 3,345,000 | 3,489,000 | 3,926,000 | 4,497,000 |
| Securities available for sale | 100,598,000 | 105,250,000 | 100,007,000 | 101,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,881,000 | 278,484,000 | 286,492,000 | 299,189,000 |
| Interest-bearing deposits | 261,318,000 | 244,126,000 | 245,168,000 | 258,151,000 |
| Noninterest-bearing deposits | 31,563,000 | 34,358,000 | 41,324,000 | 41,038,000 |
| Equity capital | 26,355,000 | 28,940,000 | 30,887,000 | 31,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,152,000 | 10,384,000 | 15,834,000 | 20,577,000 |
| Interest expense | 1,936,000 | 3,652,000 | 5,322,000 | 6,944,000 |
| Net interest income | 3,216,000 | 6,732,000 | 10,512,000 | 13,633,000 |
| Noninterest income | 380,000 | 859,000 | 1,362,000 | 2,646,000 |
| Noninterest expense | 1,993,000 | 3,962,000 | 5,923,000 | 8,128,000 |
| Provision for loan losses | 138,000 | 286,000 | 752,000 | 1,452,000 |
| Pretax income | 1,464,000 | 3,343,000 | 5,208,000 | 6,708,000 |
| Income tax | 1,135,000 | 1,266,000 | 1,397,000 | 1,497,000 |
| Net income | 329,000 | 2,077,000 | 3,811,000 | 5,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,317,000 | 26,570,000 | 27,253,000 | 28,365,000 |
| Total capital | 28,224,000 | 29,366,000 | 30,394,000 | 31,584,000 |
| Risk-weighted assets | 232,090,000 | 222,989,000 | 250,467,000 | 256,206,000 |