Call reports 2007
FIVE STAR BANK — 2007
What FIVE STAR 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 | 1,957,109,000 | 1,889,847,000 | 1,895,219,000 | 1,850,159,000 |
| Total loans | 930,028,000 | 942,002,000 | 949,477,000 | 964,779,000 |
| Allowance for loan losses | 16,914,000 | 16,522,000 | 15,611,000 | 15,521,000 |
| Securities available for sale | 760,207,000 | 758,863,000 | 741,750,000 | 694,461,000 |
| Securities held to maturity | 44,847,000 | 51,872,000 | 56,885,000 | 59,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,686,005,000 | 1,625,061,000 | 1,624,480,000 | 1,587,936,000 |
| Interest-bearing deposits | 1,411,694,000 | 1,353,248,000 | 1,332,010,000 | 1,289,609,000 |
| Noninterest-bearing deposits | 274,311,000 | 271,813,000 | 292,470,000 | 298,327,000 |
| Equity capital | 183,491,000 | 185,968,000 | 191,403,000 | 195,506,000 |
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 | 25,902,000 | 52,455,000 | 79,104,000 | 105,610,000 |
| Interest expense | 11,419,000 | 23,391,000 | 34,652,000 | 45,411,000 |
| Net interest income | 14,483,000 | 29,064,000 | 44,452,000 | 60,199,000 |
| Noninterest income | 4,341,000 | 8,560,000 | 14,497,000 | 19,053,000 |
| Noninterest expense | 13,230,000 | 26,686,000 | 40,426,000 | 54,306,000 |
| Provision for loan losses | 0 | -153,000 | -234,000 | 116,000 |
| Pretax income | 5,594,000 | 11,143,000 | 18,875,000 | 25,037,000 |
| Income tax | 1,477,000 | 2,905,000 | 4,733,000 | 6,259,000 |
| Net income | 4,117,000 | 8,238,000 | 14,142,000 | 18,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,921,000 | 157,119,000 | 159,100,000 | 157,312,000 |
| Total capital | 166,521,000 | 170,441,000 | 172,715,000 | 170,994,000 |
| Risk-weighted assets | 1,084,662,000 | 1,062,586,000 | 1,087,178,000 | 1,092,747,000 |
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