Call reports 2008
STARION BANK — 2008
What STARION BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 581,732,000 | 575,710,000 | 604,960,000 | 633,776,000 |
| Total loans | 419,169,000 | 431,740,000 | 456,266,000 | 476,818,000 |
| Allowance for loan losses | 5,342,000 | 5,339,000 | 5,466,000 | 6,347,000 |
| Securities available for sale | 123,741,000 | 119,335,000 | 123,605,000 | 127,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,965,000 | 454,252,000 | 466,294,000 | 501,602,000 |
| Interest-bearing deposits | 400,523,000 | 390,323,000 | 407,651,000 | 434,461,000 |
| Noninterest-bearing deposits | 59,442,000 | 63,929,000 | 58,643,000 | 67,141,000 |
| Equity capital | 52,993,000 | 52,069,000 | 53,908,000 | 53,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,709,000 | 17,175,000 | 25,892,000 | 34,559,000 |
| Interest expense | 3,971,000 | 7,352,000 | 10,668,000 | 13,924,000 |
| Net interest income | 4,738,000 | 9,823,000 | 15,224,000 | 20,635,000 |
| Noninterest income | 835,000 | 1,700,000 | 2,547,000 | 3,416,000 |
| Noninterest expense | 3,192,000 | 6,769,000 | 10,601,000 | 14,429,000 |
| Provision for loan losses | 0 | 207,000 | 507,000 | 2,828,000 |
| Pretax income | 2,382,000 | 4,567,000 | 6,703,000 | 6,834,000 |
| Income tax | 121,000 | 206,000 | 225,000 | 235,000 |
| Net income | 2,261,000 | 4,361,000 | 6,478,000 | 6,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,089,000 | 51,947,000 | 53,223,000 | 52,151,000 |
| Total capital | 56,431,000 | 57,286,000 | 58,689,000 | 58,498,000 |
| Risk-weighted assets | 481,074,000 | 509,198,000 | 530,655,000 | 548,431,000 |