Call reports 2015
FIVE STAR BANK — 2015
What FIVE STAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,176,432,000 | 3,337,787,000 | 3,336,234,000 | 3,356,987,000 |
| Total loans | 1,923,610,000 | 2,009,721,000 | 2,037,804,000 | 2,085,192,000 |
| Allowance for loan losses | 27,191,000 | 27,500,000 | 26,455,000 | 27,085,000 |
| Securities available for sale | 639,274,000 | 772,638,000 | 577,509,000 | 544,395,000 |
| Securities held to maturity | 306,255,000 | 320,820,000 | 490,638,000 | 485,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,715,964,000 | 2,672,920,000 | 2,771,181,000 | 2,744,944,000 |
| Interest-bearing deposits | 2,145,048,000 | 2,054,096,000 | 2,130,205,000 | 2,088,558,000 |
| Noninterest-bearing deposits | 570,916,000 | 618,824,000 | 640,976,000 | 656,386,000 |
| Equity capital | 262,727,000 | 294,038,000 | 304,632,000 | 302,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 25,192,000 | 51,348,000 | 78,532,000 | 106,268,000 |
| Interest expense | 1,850,000 | 3,890,000 | 6,148,000 | 8,387,000 |
| Net interest income | 23,342,000 | 47,458,000 | 72,384,000 | 97,881,000 |
| Noninterest income | 5,513,000 | 10,769,000 | 16,252,000 | 21,654,000 |
| Noninterest expense | 17,218,000 | 34,817,000 | 52,434,000 | 71,324,000 |
| Provision for loan losses | 2,741,000 | 4,029,000 | 4,783,000 | 7,381,000 |
| Pretax income | 9,958,000 | 20,443,000 | 32,767,000 | 42,818,000 |
| Income tax | 2,949,000 | 6,056,000 | 9,416,000 | 12,231,000 |
| Net income | 7,009,000 | 14,387,000 | 23,351,000 | 30,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 219,607,000 | 257,220,000 | 262,280,000 | 265,487,000 |
| Total capital | 246,798,000 | 284,720,000 | 288,735,000 | 292,572,000 |
| Risk-weighted assets | 2,189,712,000 | 2,270,742,000 | 2,270,401,000 | 2,310,465,000 |