Call reports 2009
STARION BANK — 2009
What STARION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 671,858,000 | 670,506,000 | 682,478,000 | 712,559,000 |
| Total loans | 486,119,000 | 505,662,000 | 511,008,000 | 515,543,000 |
| Allowance for loan losses | 6,908,000 | 6,628,000 | 6,361,000 | 7,637,000 |
| Securities available for sale | 135,801,000 | 133,301,000 | 133,842,000 | 140,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,772,000 | 528,825,000 | 550,603,000 | 580,067,000 |
| Interest-bearing deposits | 483,742,000 | 465,155,000 | 484,312,000 | 498,334,000 |
| Noninterest-bearing deposits | 61,030,000 | 63,670,000 | 66,291,000 | 81,733,000 |
| Equity capital | 56,274,000 | 57,629,000 | 63,123,000 | 63,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,693,000 | 17,694,000 | 26,744,000 | 35,915,000 |
| Interest expense | 2,932,000 | 5,661,000 | 8,291,000 | 10,687,000 |
| Net interest income | 5,761,000 | 12,033,000 | 18,453,000 | 25,228,000 |
| Noninterest income | 831,000 | 1,788,000 | 2,760,000 | 3,644,000 |
| Noninterest expense | 4,073,000 | 8,620,000 | 13,040,000 | 17,770,000 |
| Provision for loan losses | 739,000 | 1,474,000 | 3,020,000 | 6,070,000 |
| Pretax income | 1,790,000 | 3,823,000 | 5,483,000 | 5,364,000 |
| Income tax | 81,000 | 180,000 | 264,000 | 178,000 |
| Net income | 1,709,000 | 3,643,000 | 5,219,000 | 5,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,869,000 | 55,812,000 | 59,395,000 | 59,238,000 |
| Total capital | 60,773,000 | 62,440,000 | 65,756,000 | 66,019,000 |
| Risk-weighted assets | 552,346,000 | 573,543,000 | 550,131,000 | 541,590,000 |