Call reports 2014
FIVE STAR BANK — 2014
What FIVE STAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 3,014,054,000 | 2,989,804,000 | 3,035,803,000 | 3,065,109,000 |
| Total loans | 1,849,740,000 | 1,896,866,000 | 1,908,874,000 | 1,912,757,000 |
| Allowance for loan losses | 27,152,000 | 27,166,000 | 27,244,000 | 27,637,000 |
| Securities available for sale | 674,650,000 | 601,903,000 | 585,479,000 | 622,494,000 |
| Securities held to maturity | 253,576,000 | 262,057,000 | 285,967,000 | 294,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,547,483,000 | 2,462,732,000 | 2,547,736,000 | 2,457,199,000 |
| Interest-bearing deposits | 2,000,506,000 | 1,898,849,000 | 1,967,275,000 | 1,879,267,000 |
| Noninterest-bearing deposits | 546,977,000 | 563,883,000 | 580,461,000 | 577,932,000 |
| Equity capital | 251,427,000 | 257,810,000 | 255,633,000 | 256,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 25,232,000 | 50,303,000 | 75,601,000 | 101,779,000 |
| Interest expense | 1,784,000 | 3,564,000 | 5,435,000 | 7,281,000 |
| Net interest income | 23,448,000 | 46,739,000 | 70,166,000 | 94,498,000 |
| Noninterest income | 5,900,000 | 11,349,000 | 17,288,000 | 20,589,000 |
| Noninterest expense | 16,601,000 | 33,398,000 | 50,132,000 | 67,609,000 |
| Provision for loan losses | 2,106,000 | 3,864,000 | 5,879,000 | 7,789,000 |
| Pretax income | 10,954,000 | 22,088,000 | 33,221,000 | 41,730,000 |
| Income tax | 3,441,000 | 6,896,000 | 10,480,000 | 10,735,000 |
| Net income | 7,513,000 | 15,192,000 | 22,741,000 | 30,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,938,000 | 211,704,000 | 211,337,000 | 215,672,000 |
| Total capital | 233,128,000 | 237,226,000 | 237,021,000 | 241,905,000 |
| Risk-weighted assets | 2,013,242,000 | 2,040,097,000 | 2,053,183,000 | 2,097,233,000 |