Call reports 2006
5STAR BANK — 2006
What 5STAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 201,609,000 | 197,876,000 | 194,580,000 | 165,740,000 |
| Total loans | 111,932,000 | 110,338,000 | 106,753,000 | 70,873,000 |
| Allowance for loan losses | 3,763,000 | 3,655,000 | 3,511,000 | 3,307,000 |
| Securities available for sale | 71,543,000 | 63,592,000 | 58,208,000 | 72,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,586,000 | 140,338,000 | 135,465,000 | 130,634,000 |
| Interest-bearing deposits | 143,220,000 | 139,049,000 | 134,281,000 | 129,520,000 |
| Noninterest-bearing deposits | 1,366,000 | 1,289,000 | 1,184,000 | 1,114,000 |
| Equity capital | 31,664,000 | 31,778,000 | 32,737,000 | 33,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,320,000 | 6,596,000 | 9,941,000 | 13,020,000 |
| Interest expense | 1,352,000 | 2,734,000 | 4,120,000 | 5,421,000 |
| Net interest income | 1,968,000 | 3,862,000 | 5,821,000 | 7,599,000 |
| Noninterest income | 1,545,000 | 3,361,000 | 4,777,000 | 6,512,000 |
| Noninterest expense | 2,933,000 | 5,857,000 | 8,319,000 | 10,812,000 |
| Provision for loan losses | 470,000 | 827,000 | 1,028,000 | 1,209,000 |
| Pretax income | 110,000 | 539,000 | 1,251,000 | 2,160,000 |
| Income tax | 19,000 | 158,000 | 402,000 | 713,000 |
| Net income | 91,000 | 381,000 | 849,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,388,000 | 31,662,000 | 32,824,000 | 33,496,000 |
| Total capital | 33,123,000 | 33,372,000 | 34,487,000 | 34,736,000 |
| Risk-weighted assets | 136,635,000 | 134,820,000 | 131,159,000 | 97,116,000 |