Call reports 2007
STARION BANK — 2007
What STARION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 512,428,000 | 528,582,000 | 544,176,000 | 556,500,000 |
| Total loans | 368,115,000 | 391,222,000 | 403,401,000 | 409,904,000 |
| Allowance for loan losses | 5,590,000 | 5,560,000 | 5,528,000 | 5,339,000 |
| Securities available for sale | 123,284,000 | 119,169,000 | 120,080,000 | 122,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,083,000 | 401,716,000 | 430,933,000 | 441,066,000 |
| Interest-bearing deposits | 361,907,000 | 354,286,000 | 378,186,000 | 377,912,000 |
| Noninterest-bearing deposits | 49,176,000 | 47,430,000 | 52,747,000 | 63,154,000 |
| Equity capital | 47,425,000 | 47,288,000 | 48,996,000 | 50,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,939,000 | 16,383,000 | 25,192,000 | 33,992,000 |
| Interest expense | 3,856,000 | 7,921,000 | 12,296,000 | 16,490,000 |
| Net interest income | 4,083,000 | 8,462,000 | 12,896,000 | 17,502,000 |
| Noninterest income | 718,000 | 1,516,000 | 2,336,000 | 3,165,000 |
| Noninterest expense | 2,854,000 | 5,731,000 | 8,515,000 | 11,402,000 |
| Provision for loan losses | 64,000 | 64,000 | 64,000 | 64,000 |
| Pretax income | 1,888,000 | 4,186,000 | 6,656,000 | 9,204,000 |
| Income tax | 128,000 | 227,000 | 349,000 | 447,000 |
| Net income | 1,760,000 | 3,959,000 | 6,307,000 | 8,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,799,000 | 48,656,000 | 49,362,000 | 50,069,000 |
| Total capital | 53,070,000 | 54,163,000 | 54,890,000 | 55,408,000 |
| Risk-weighted assets | 421,367,000 | 440,541,000 | 460,886,000 | 473,547,000 |