Call reports 2004
5STAR BANK — 2004
What 5STAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 201,000,000 | 198,582,000 | 194,851,000 | 209,287,000 |
| Total loans | 80,150,000 | 81,002,000 | 86,483,000 | 98,747,000 |
| Allowance for loan losses | 4,948,000 | 4,209,000 | 4,110,000 | 4,238,000 |
| Securities available for sale | 103,642,000 | 104,837,000 | 98,042,000 | 96,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,482,000 | 166,304,000 | 160,456,000 | 168,300,000 |
| Interest-bearing deposits | 167,422,000 | 164,998,000 | 158,000,000 | 165,011,000 |
| Noninterest-bearing deposits | 1,060,000 | 1,306,000 | 2,456,000 | 3,289,000 |
| Equity capital | 30,901,000 | 30,463,000 | 31,288,000 | 31,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,044,000 | 5,971,000 | 8,965,000 | 12,023,000 |
| Interest expense | 780,000 | 1,529,000 | 2,264,000 | 3,032,000 |
| Net interest income | 2,264,000 | 4,442,000 | 6,701,000 | 8,991,000 |
| Noninterest income | 1,462,000 | 3,022,000 | 4,614,000 | 6,271,000 |
| Noninterest expense | 2,597,000 | 5,346,000 | 8,034,000 | 10,920,000 |
| Provision for loan losses | 496,000 | 501,000 | 1,133,000 | 1,887,000 |
| Pretax income | 866,000 | 1,802,000 | 2,333,000 | 2,640,000 |
| Income tax | 314,000 | 650,000 | 832,000 | 936,000 |
| Net income | 552,000 | 1,152,000 | 1,501,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,092,000 | 30,693,000 | 31,042,000 | 31,244,000 |
| Total capital | 31,614,000 | 32,206,000 | 32,601,000 | 32,984,000 |
| Risk-weighted assets | 118,230,000 | 118,330,000 | 122,179,000 | 136,705,000 |
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