Call reports 2025
FIVE STAR BANK — 2025
What FIVE STAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 6,303,092,000 | 6,105,894,000 | 6,250,000,000 | 6,235,224,000 |
| Total loans | 4,553,665,000 | 4,538,358,000 | 4,592,675,000 | 4,661,231,000 |
| Allowance for loan losses | 48,964,000 | 47,291,000 | 47,292,000 | 47,386,000 |
| Securities available for sale | 926,992,000 | 916,149,000 | 923,592,000 | 922,472,000 |
| Securities held to maturity | 113,107,000 | 92,121,000 | 87,627,000 | 84,710,000 |
| Trading assets | 33,843,000 | 28,375,000 | 27,577,000 | 26,817,000 |
| Total deposits | 5,423,774,000 | 5,196,679,000 | 5,370,540,000 | 5,289,662,000 |
| Interest-bearing deposits | 4,427,728,000 | 4,219,027,000 | 4,398,405,000 | 4,243,624,000 |
| Noninterest-bearing deposits | 996,046,000 | 977,652,000 | 972,135,000 | 1,046,038,000 |
| Equity capital | 616,351,000 | 626,818,000 | 645,650,000 | 662,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 81,392,000 | 164,619,000 | 249,385,000 | 334,404,000 |
| Interest expense | 33,126,000 | 65,820,000 | 97,374,000 | 128,221,000 |
| Net interest income | 48,266,000 | 98,799,000 | 152,011,000 | 206,183,000 |
| Noninterest income | 7,405,000 | 14,884,000 | 23,142,000 | 31,198,000 |
| Noninterest expense | 30,438,000 | 62,917,000 | 95,778,000 | 129,370,000 |
| Provision for loan losses | 3,305,000 | 5,682,000 | 7,744,000 | 10,249,000 |
| Pretax income | 22,292,000 | 45,266,000 | 71,846,000 | 97,303,000 |
| Income tax | 4,040,000 | 8,329,000 | 13,533,000 | 18,115,000 |
| Net income | 18,252,000 | 36,937,000 | 58,313,000 | 79,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 612,127,000 | 622,859,000 | 636,281,000 | 649,202,000 |
| Total capital | 664,837,000 | 674,080,000 | 688,174,000 | 702,088,000 |
| Risk-weighted assets | 5,340,458,000 | 5,224,210,000 | 5,211,526,000 | 5,268,026,000 |