Call reports 2016
FIVE STAR BANK — 2016
What FIVE STAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 3,484,886,000 | 3,553,354,000 | 3,652,723,000 | 3,678,230,000 |
| Total loans | 2,115,643,000 | 2,212,040,000 | 2,284,838,000 | 2,341,211,000 |
| Allowance for loan losses | 27,568,000 | 28,525,000 | 29,350,000 | 30,934,000 |
| Securities available for sale | 610,012,000 | 619,720,000 | 559,495,000 | 539,926,000 |
| Securities held to maturity | 476,283,000 | 478,549,000 | 528,708,000 | 543,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,976,198,000 | 2,875,834,000 | 3,078,655,000 | 3,011,246,000 |
| Interest-bearing deposits | 2,342,784,000 | 2,231,765,000 | 2,405,734,000 | 2,318,147,000 |
| Noninterest-bearing deposits | 633,414,000 | 644,069,000 | 672,921,000 | 693,099,000 |
| Equity capital | 314,200,000 | 322,516,000 | 326,359,000 | 318,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 27,855,000 | 56,312,000 | 85,916,000 | 116,195,000 |
| Interest expense | 2,298,000 | 4,728,000 | 7,420,000 | 10,070,000 |
| Net interest income | 25,557,000 | 51,584,000 | 78,496,000 | 106,125,000 |
| Noninterest income | 5,943,000 | 11,200,000 | 17,019,000 | 22,448,000 |
| Noninterest expense | 18,258,000 | 36,223,000 | 54,282,000 | 72,706,000 |
| Provision for loan losses | 2,368,000 | 4,320,000 | 6,281,000 | 9,638,000 |
| Pretax income | 11,487,000 | 24,241,000 | 37,378,000 | 48,924,000 |
| Income tax | 3,101,000 | 6,990,000 | 10,977,000 | 14,409,000 |
| Net income | 8,386,000 | 17,251,000 | 26,401,000 | 34,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 269,909,000 | 274,992,000 | 280,547,000 | 284,765,000 |
| Total capital | 297,477,000 | 303,517,000 | 309,897,000 | 315,699,000 |
| Risk-weighted assets | 2,341,286,000 | 2,441,831,000 | 2,513,780,000 | 2,575,882,000 |