Call reports 2008
FIVE STAR BANK — 2008
What FIVE STAR 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 | 1,904,958,000 | 1,887,075,000 | 1,938,393,000 | 1,909,009,000 |
| Total loans | 973,242,000 | 1,011,375,000 | 1,078,831,000 | 1,121,792,000 |
| Allowance for loan losses | 15,549,000 | 16,038,000 | 17,420,000 | 18,749,000 |
| Securities available for sale | 687,527,000 | 669,027,000 | 606,766,000 | 546,881,000 |
| Securities held to maturity | 57,631,000 | 56,508,000 | 64,434,000 | 58,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,639,217,000 | 1,608,736,000 | 1,670,720,000 | 1,659,437,000 |
| Interest-bearing deposits | 1,359,553,000 | 1,307,497,000 | 1,367,387,000 | 1,340,676,000 |
| Noninterest-bearing deposits | 279,664,000 | 301,239,000 | 303,333,000 | 318,761,000 |
| Equity capital | 196,557,000 | 187,766,000 | 153,659,000 | 175,761,000 |
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 | 25,369,000 | 49,991,000 | 74,636,000 | 99,305,000 |
| Interest expense | 9,755,000 | 17,672,000 | 25,053,000 | 31,889,000 |
| Net interest income | 15,614,000 | 32,319,000 | 49,583,000 | 67,416,000 |
| Noninterest income | 4,121,000 | 8,420,000 | 13,282,000 | 17,782,000 |
| Noninterest expense | 13,294,000 | 26,874,000 | 39,750,000 | 54,486,000 |
| Provision for loan losses | 716,000 | 2,074,000 | 3,965,000 | 6,551,000 |
| Pretax income | 5,898,000 | 8,220,000 | -18,963,000 | -43,766,000 |
| Income tax | 1,473,000 | 1,586,000 | 2,392,000 | -19,854,000 |
| Net income | 4,425,000 | 6,634,000 | -21,355,000 | -23,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,516,000 | 152,773,000 | 124,187,000 | 120,484,000 |
| Total capital | 170,600,000 | 167,332,000 | 139,772,000 | 136,340,000 |
| Risk-weighted assets | 1,125,221,000 | 1,163,251,000 | 1,244,970,000 | 1,265,600,000 |
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