Call reports 2023
FIVE STAR BANK — 2023
What FIVE STAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 5,927,077,000 | 6,100,251,000 | 6,095,556,000 | 6,117,748,000 |
| Total loans | 4,244,014,000 | 4,398,614,000 | 4,433,039,000 | 4,463,509,000 |
| Allowance for loan losses | 47,512,000 | 49,819,000 | 49,613,000 | 51,068,000 |
| Securities available for sale | 945,442,000 | 912,122,000 | 854,215,000 | 887,730,000 |
| Securities held to maturity | 180,057,000 | 159,897,000 | 154,208,000 | 148,160,000 |
| Trading assets | 36,784,000 | 43,944,000 | 56,724,000 | 37,517,000 |
| Total deposits | 5,171,457,000 | 5,065,394,000 | 5,340,373,000 | 5,231,072,000 |
| Interest-bearing deposits | 4,074,296,000 | 4,012,073,000 | 4,280,623,000 | 4,202,297,000 |
| Noninterest-bearing deposits | 1,097,161,000 | 1,053,321,000 | 1,059,750,000 | 1,028,775,000 |
| Equity capital | 444,483,000 | 445,198,000 | 432,716,000 | 485,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 64,012,000 | 135,455,000 | 210,655,000 | 287,670,000 |
| Interest expense | 20,895,000 | 48,613,000 | 80,576,000 | 116,176,000 |
| Net interest income | 43,117,000 | 86,842,000 | 130,079,000 | 171,494,000 |
| Noninterest income | 6,103,000 | 13,243,000 | 19,368,000 | 33,846,000 |
| Noninterest expense | 29,741,000 | 59,682,000 | 90,986,000 | 121,733,000 |
| Provision for loan losses | 4,205,000 | 7,148,000 | 8,540,000 | 14,216,000 |
| Pretax income | 15,263,000 | 32,958,000 | 50,050,000 | 66,347,000 |
| Income tax | 2,630,000 | 5,510,000 | 8,169,000 | 13,618,000 |
| Net income | 12,633,000 | 27,448,000 | 41,881,000 | 52,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 529,541,000 | 537,402,000 | 551,881,000 | 562,775,000 |
| Total capital | 575,446,000 | 585,901,000 | 599,748,000 | 611,691,000 |
| Risk-weighted assets | 5,054,722,000 | 5,230,634,000 | 5,246,933,000 | 5,202,724,000 |