Call reports 2006
STARION BANK — 2006
What STARION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 468,152,000 | 488,996,000 | 501,828,000 | 498,539,000 |
| Total loans | 326,937,000 | 349,495,000 | 356,744,000 | 351,569,000 |
| Allowance for loan losses | 5,684,000 | 5,721,000 | 5,640,000 | 5,525,000 |
| Securities available for sale | 123,503,000 | 122,578,000 | 125,126,000 | 125,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,635,000 | 382,206,000 | 383,561,000 | 390,241,000 |
| Interest-bearing deposits | 322,054,000 | 329,437,000 | 335,889,000 | 336,037,000 |
| Noninterest-bearing deposits | 46,581,000 | 52,769,000 | 47,672,000 | 54,204,000 |
| Equity capital | 39,594,000 | 43,216,000 | 45,156,000 | 46,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,820,000 | 14,243,000 | 22,053,000 | 29,989,000 |
| Interest expense | 2,710,000 | 5,818,000 | 9,499,000 | 13,276,000 |
| Net interest income | 4,110,000 | 8,425,000 | 12,554,000 | 16,713,000 |
| Noninterest income | 669,000 | 1,494,000 | 2,262,000 | 3,088,000 |
| Noninterest expense | 2,584,000 | 5,242,000 | 7,955,000 | 10,589,000 |
| Provision for loan losses | 99,000 | 111,000 | 118,000 | 144,000 |
| Pretax income | 2,096,000 | 4,566,000 | 6,743,000 | 9,068,000 |
| Income tax | 147,000 | 321,000 | 474,000 | 633,000 |
| Net income | 1,949,000 | 4,245,000 | 6,269,000 | 8,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,770,000 | 45,574,000 | 46,406,000 | 47,380,000 |
| Total capital | 45,610,000 | 50,606,000 | 51,592,000 | 52,342,000 |
| Risk-weighted assets | 386,343,000 | 401,840,000 | 414,390,000 | 396,436,000 |