Call reports 2005
STARION BANK — 2005
What STARION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 420,538,000 | 439,104,000 | 454,246,000 | 464,633,000 |
| Total loans | 287,261,000 | 299,117,000 | 311,275,000 | 321,193,000 |
| Allowance for loan losses | 5,568,000 | 5,651,000 | 5,716,000 | 5,646,000 |
| Securities available for sale | 117,742,000 | 123,982,000 | 123,840,000 | 122,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,126,000 | 342,459,000 | 350,941,000 | 357,019,000 |
| Interest-bearing deposits | 303,512,000 | 297,265,000 | 301,925,000 | 303,134,000 |
| Noninterest-bearing deposits | 46,614,000 | 45,194,000 | 49,016,000 | 53,885,000 |
| Equity capital | 37,058,000 | 39,105,000 | 39,998,000 | 38,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,689,000 | 11,805,000 | 18,283,000 | 24,988,000 |
| Interest expense | 1,603,000 | 3,464,000 | 5,613,000 | 8,048,000 |
| Net interest income | 4,086,000 | 8,341,000 | 12,670,000 | 16,940,000 |
| Noninterest income | 677,000 | 1,378,000 | 2,115,000 | 2,858,000 |
| Noninterest expense | 2,482,000 | 4,902,000 | 7,335,000 | 9,814,000 |
| Provision for loan losses | 105,000 | 206,000 | 310,000 | 347,000 |
| Pretax income | 2,172,000 | 4,607,000 | 7,136,000 | 9,633,000 |
| Income tax | 153,000 | 335,000 | 513,000 | 684,000 |
| Net income | 2,019,000 | 4,272,000 | 6,623,000 | 8,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,108,000 | 38,620,000 | 39,979,000 | 39,814,000 |
| Total capital | 41,195,000 | 42,918,000 | 44,456,000 | 44,321,000 |
| Risk-weighted assets | 325,499,000 | 342,480,000 | 356,946,000 | 359,457,000 |