Call reports 2012
FIVE STAR BANK — 2012
What FIVE STAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,455,319,000 | 2,616,681,000 | 2,646,908,000 | 2,759,745,000 |
| Total loans | 1,523,081,000 | 1,625,836,000 | 1,660,396,000 | 1,707,244,000 |
| Allowance for loan losses | 23,763,000 | 24,120,000 | 24,301,000 | 24,714,000 |
| Securities available for sale | 699,497,000 | 765,216,000 | 748,618,000 | 823,796,000 |
| Securities held to maturity | 24,196,000 | 22,016,000 | 19,564,000 | 17,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,073,606,000 | 2,141,539,000 | 2,336,901,000 | 2,268,848,000 |
| Interest-bearing deposits | 1,662,383,000 | 1,713,106,000 | 1,841,013,000 | 1,760,280,000 |
| Noninterest-bearing deposits | 411,223,000 | 428,433,000 | 495,888,000 | 508,568,000 |
| Equity capital | 228,292,000 | 237,532,000 | 243,114,000 | 245,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 23,582,000 | 47,428,000 | 72,871,000 | 98,101,000 |
| Interest expense | 2,509,000 | 4,851,000 | 7,052,000 | 9,051,000 |
| Net interest income | 21,073,000 | 42,577,000 | 65,819,000 | 89,050,000 |
| Noninterest income | 4,558,000 | 9,514,000 | 14,541,000 | 19,770,000 |
| Noninterest expense | 14,808,000 | 30,647,000 | 50,976,000 | 67,520,000 |
| Provision for loan losses | 1,385,000 | 2,844,000 | 4,608,000 | 7,128,000 |
| Pretax income | 9,678,000 | 20,077,000 | 26,849,000 | 36,732,000 |
| Income tax | 3,286,000 | 6,819,000 | 8,903,000 | 12,215,000 |
| Net income | 6,392,000 | 13,258,000 | 17,946,000 | 24,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,030,000 | 191,408,000 | 187,029,000 | 191,704,000 |
| Total capital | 211,762,000 | 213,420,000 | 209,436,000 | 215,008,000 |
| Risk-weighted assets | 1,655,523,000 | 1,758,836,000 | 1,790,642,000 | 1,862,887,000 |