Call reports 2019
FIVE STAR BANK — 2019
What FIVE STAR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 4,267,432,000 | 4,280,282,000 | 4,299,352,000 | 4,346,616,000 |
| Total loans | 3,111,248,000 | 3,153,729,000 | 3,162,818,000 | 3,225,211,000 |
| Allowance for loan losses | 33,327,000 | 34,434,000 | 31,668,000 | 30,482,000 |
| Securities available for sale | 427,545,000 | 406,509,000 | 395,441,000 | 417,917,000 |
| Securities held to maturity | 438,984,000 | 398,610,000 | 386,305,000 | 359,000,000 |
| Trading assets | 6,951,000 | 5,199,000 | 7,593,000 | 6,599,000 |
| Total deposits | 3,521,838,000 | 3,484,786,000 | 3,600,633,000 | 3,564,852,000 |
| Interest-bearing deposits | 2,776,206,000 | 2,752,839,000 | 2,830,918,000 | 2,847,924,000 |
| Noninterest-bearing deposits | 745,632,000 | 731,947,000 | 769,715,000 | 716,928,000 |
| Equity capital | 411,703,000 | 424,648,000 | 435,542,000 | 441,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 41,913,000 | 84,924,000 | 127,727,000 | 170,258,000 |
| Interest expense | 9,105,000 | 18,671,000 | 28,029,000 | 36,417,000 |
| Net interest income | 32,808,000 | 66,253,000 | 99,698,000 | 133,841,000 |
| Noninterest income | 5,823,000 | 11,986,000 | 19,336,000 | 25,870,000 |
| Noninterest expense | 21,357,000 | 42,910,000 | 64,967,000 | 88,415,000 |
| Provision for loan losses | 1,193,000 | 3,547,000 | 5,391,000 | 8,045,000 |
| Pretax income | 16,028,000 | 31,895,000 | 50,397,000 | 64,928,000 |
| Income tax | 3,343,000 | 6,659,000 | 10,693,000 | 11,190,000 |
| Net income | 12,685,000 | 25,236,000 | 39,704,000 | 53,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 382,739,000 | 390,366,000 | 399,906,000 | 409,032,000 |
| Total capital | 416,066,000 | 424,800,000 | 431,574,000 | 439,514,000 |
| Risk-weighted assets | 3,401,520,000 | 3,464,587,000 | 3,516,711,000 | 3,523,919,000 |