Call reports 2005
5STAR BANK — 2005
What 5STAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 203,188,000 | 216,308,000 | 255,996,000 | 207,265,000 |
| Total loans | 100,780,000 | 115,719,000 | 156,486,000 | 110,033,000 |
| Allowance for loan losses | 4,191,000 | 4,043,000 | 4,097,000 | 3,808,000 |
| Securities available for sale | 91,702,000 | 86,733,000 | 78,294,000 | 70,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,983,000 | 145,112,000 | 161,269,000 | 149,977,000 |
| Interest-bearing deposits | 150,968,000 | 140,114,000 | 152,673,000 | 145,511,000 |
| Noninterest-bearing deposits | 3,015,000 | 4,999,000 | 8,597,000 | 4,466,000 |
| Equity capital | 30,939,000 | 31,723,000 | 32,179,000 | 31,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,065,000 | 6,250,000 | 9,770,000 | 13,528,000 |
| Interest expense | 801,000 | 1,854,000 | 3,229,000 | 4,833,000 |
| Net interest income | 2,264,000 | 4,396,000 | 6,541,000 | 8,695,000 |
| Noninterest income | 1,510,000 | 3,377,000 | 5,883,000 | 6,821,000 |
| Noninterest expense | 2,757,000 | 5,722,000 | 8,721,000 | 11,720,000 |
| Provision for loan losses | 598,000 | 1,061,000 | 1,662,000 | 2,278,000 |
| Pretax income | 497,000 | 1,068,000 | 2,119,000 | 1,481,000 |
| Income tax | 167,000 | 357,000 | 730,000 | 477,000 |
| Net income | 330,000 | 711,000 | 1,389,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,537,000 | 31,919,000 | 32,599,000 | 32,212,000 |
| Total capital | 33,135,000 | 33,763,000 | 35,009,000 | 34,000,000 |
| Risk-weighted assets | 125,262,000 | 145,340,000 | 191,154,000 | 141,060,000 |