Call reports 2004
STARION BANK — 2004
What STARION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 388,829,000 | 402,720,000 | 410,408,000 | 419,487,000 |
| Total loans | 258,664,000 | 273,693,000 | 282,250,000 | 287,913,000 |
| Allowance for loan losses | 5,505,000 | 5,555,000 | 5,546,000 | 5,487,000 |
| Securities available for sale | 116,841,000 | 114,535,000 | 112,576,000 | 113,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,274,000 | 309,061,000 | 318,213,000 | 336,134,000 |
| Interest-bearing deposits | 281,200,000 | 276,137,000 | 276,039,000 | 287,837,000 |
| Noninterest-bearing deposits | 40,074,000 | 32,924,000 | 42,174,000 | 48,297,000 |
| Equity capital | 36,640,000 | 34,693,000 | 37,737,000 | 37,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,072,000 | 10,394,000 | 15,922,000 | 21,404,000 |
| Interest expense | 1,384,000 | 2,785,000 | 4,283,000 | 5,823,000 |
| Net interest income | 3,688,000 | 7,609,000 | 11,639,000 | 15,581,000 |
| Noninterest income | 570,000 | 1,190,000 | 1,869,000 | 2,665,000 |
| Noninterest expense | 2,187,000 | 4,476,000 | 6,714,000 | 9,053,000 |
| Provision for loan losses | 129,000 | 194,000 | 215,000 | 236,000 |
| Pretax income | 1,948,000 | 4,164,000 | 6,638,000 | 9,006,000 |
| Income tax | 137,000 | 293,000 | 467,000 | 624,000 |
| Net income | 1,811,000 | 3,871,000 | 6,171,000 | 8,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,493,000 | 34,313,000 | 35,773,000 | 36,082,000 |
| Total capital | 37,296,000 | 38,138,000 | 39,716,000 | 40,208,000 |
| Risk-weighted assets | 302,531,000 | 304,251,000 | 313,870,000 | 328,739,000 |