Call reports 2004
FIVE STAR BANK — 2004
What FIVE STAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 246,743,000 | 259,792,000 | 256,726,000 | 244,110,000 |
| Total loans | 106,017,000 | 111,964,000 | 114,053,000 | 113,073,000 |
| Allowance for loan losses | 2,052,000 | 2,019,000 | 1,940,000 | 1,910,000 |
| Securities available for sale | 108,217,000 | 113,025,000 | 121,694,000 | 114,134,000 |
| Securities held to maturity | 8,875,000 | 8,721,000 | 6,965,000 | 4,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,449,000 | 221,083,000 | 218,496,000 | 204,570,000 |
| Interest-bearing deposits | 169,584,000 | 180,149,000 | 183,293,000 | 167,234,000 |
| Noninterest-bearing deposits | 34,865,000 | 40,934,000 | 35,203,000 | 37,336,000 |
| Equity capital | 15,258,000 | 13,456,000 | 15,345,000 | 15,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,797,000 | 5,704,000 | 8,753,000 | 11,752,000 |
| Interest expense | 724,000 | 1,484,000 | 2,312,000 | 3,181,000 |
| Net interest income | 2,073,000 | 4,220,000 | 6,441,000 | 8,571,000 |
| Noninterest income | 598,000 | 1,233,000 | 1,795,000 | 2,291,000 |
| Noninterest expense | 1,741,000 | 3,546,000 | 5,414,000 | 7,304,000 |
| Provision for loan losses | 118,000 | 200,000 | 175,000 | 335,000 |
| Pretax income | 812,000 | 1,708,000 | 2,657,000 | 3,250,000 |
| Income tax | 242,000 | 513,000 | 800,000 | 958,000 |
| Net income | 570,000 | 1,195,000 | 1,857,000 | 2,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,870,000 | 14,244,000 | 14,655,000 | 14,836,000 |
| Total capital | 15,508,000 | 15,957,000 | 16,347,000 | 16,467,000 |
| Risk-weighted assets | 130,617,000 | 136,705,000 | 135,151,000 | 130,148,000 |
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