Call reports 2003
STARION BANK — 2003
What STARION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 359,892,000 | 368,232,000 | 376,359,000 | 384,984,000 |
| Total loans | 226,034,000 | 242,287,000 | 253,269,000 | 260,129,000 |
| Allowance for loan losses | 4,638,000 | 4,800,000 | 5,067,000 | 5,386,000 |
| Securities available for sale | 112,912,000 | 109,648,000 | 107,064,000 | 107,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,799,000 | 299,103,000 | 303,188,000 | 311,781,000 |
| Interest-bearing deposits | 271,545,000 | 258,475,000 | 262,961,000 | 268,581,000 |
| Noninterest-bearing deposits | 38,254,000 | 40,628,000 | 40,227,000 | 43,200,000 |
| Equity capital | 32,314,000 | 33,905,000 | 33,784,000 | 34,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,247,000 | 10,607,000 | 15,994,000 | 21,209,000 |
| Interest expense | 1,507,000 | 2,963,000 | 4,380,000 | 5,753,000 |
| Net interest income | 3,740,000 | 7,644,000 | 11,614,000 | 15,456,000 |
| Noninterest income | 516,000 | 1,070,000 | 1,620,000 | 2,344,000 |
| Noninterest expense | 2,085,000 | 4,136,000 | 6,284,000 | 8,734,000 |
| Provision for loan losses | 152,000 | 318,000 | 594,000 | 1,024,000 |
| Pretax income | 2,020,000 | 4,259,000 | 6,452,000 | 8,132,000 |
| Income tax | 143,000 | 299,000 | 453,000 | 569,000 |
| Net income | 1,877,000 | 3,960,000 | 5,999,000 | 7,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,751,000 | 29,844,000 | 31,394,000 | 31,670,000 |
| Total capital | 31,903,000 | 33,247,000 | 34,990,000 | 35,345,000 |
| Risk-weighted assets | 250,681,000 | 270,847,000 | 286,187,000 | 292,268,000 |