Call reports 2013
FIVE STAR BANK — 2013
What FIVE STAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,820,101,000 | 2,777,989,000 | 2,863,385,000 | 2,922,017,000 |
| Total loans | 1,719,432,000 | 1,746,837,000 | 1,782,482,000 | 1,837,000,000 |
| Allowance for loan losses | 25,827,000 | 25,590,000 | 26,685,000 | 26,736,000 |
| Securities available for sale | 853,437,000 | 810,549,000 | 583,551,000 | 609,399,000 |
| Securities held to maturity | 17,747,000 | 17,348,000 | 245,708,000 | 249,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,413,316,000 | 2,332,153,000 | 2,423,281,000 | 2,327,647,000 |
| Interest-bearing deposits | 1,915,135,000 | 1,812,434,000 | 1,871,667,000 | 1,784,584,000 |
| Noninterest-bearing deposits | 498,181,000 | 519,719,000 | 551,614,000 | 543,063,000 |
| Equity capital | 247,088,000 | 236,072,000 | 238,328,000 | 244,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 24,848,000 | 49,342,000 | 74,100,000 | 99,477,000 |
| Interest expense | 1,861,000 | 3,679,000 | 5,499,000 | 7,337,000 |
| Net interest income | 22,987,000 | 45,663,000 | 68,601,000 | 92,140,000 |
| Noninterest income | 4,909,000 | 10,179,000 | 15,692,000 | 21,096,000 |
| Noninterest expense | 16,469,000 | 32,625,000 | 48,711,000 | 65,285,000 |
| Provision for loan losses | 2,709,000 | 3,902,000 | 6,672,000 | 9,079,000 |
| Pretax income | 9,610,000 | 20,539,000 | 30,134,000 | 40,098,000 |
| Income tax | 3,183,000 | 6,857,000 | 10,013,000 | 13,284,000 |
| Net income | 6,427,000 | 13,682,000 | 20,121,000 | 26,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 195,663,000 | 199,016,000 | 201,551,000 | 204,336,000 |
| Total capital | 219,097,000 | 222,692,000 | 225,659,000 | 229,139,000 |
| Risk-weighted assets | 1,872,296,000 | 1,892,177,000 | 1,926,036,000 | 1,982,284,000 |