Call reports 2007
5STAR BANK — 2007
What 5STAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,658,000 | 160,596,000 | 158,880,000 | 155,878,000 |
| Total loans | 65,226,000 | 68,107,000 | 69,492,000 | 71,995,000 |
| Allowance for loan losses | 3,168,000 | 2,892,000 | 2,744,000 | 2,365,000 |
| Securities available for sale | 65,001,000 | 60,441,000 | 60,228,000 | 61,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,956,000 | 125,324,000 | 123,076,000 | 119,515,000 |
| Interest-bearing deposits | 128,853,000 | 124,032,000 | 121,526,000 | 118,848,000 |
| Noninterest-bearing deposits | 1,103,000 | 1,292,000 | 1,550,000 | 667,000 |
| Equity capital | 33,471,000 | 33,200,000 | 33,747,000 | 33,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,746,000 | 5,384,000 | 8,002,000 | 10,621,000 |
| Interest expense | 1,095,000 | 2,157,000 | 3,189,000 | 4,186,000 |
| Net interest income | 1,651,000 | 3,227,000 | 4,813,000 | 6,435,000 |
| Noninterest income | 1,170,000 | 2,430,000 | 3,641,000 | 4,958,000 |
| Noninterest expense | 2,644,000 | 5,304,000 | 7,853,000 | 12,323,000 |
| Provision for loan losses | 182,000 | 284,000 | 441,000 | 449,000 |
| Pretax income | -5,000 | 69,000 | 160,000 | -1,379,000 |
| Income tax | -59,000 | -87,000 | -109,000 | -427,000 |
| Net income | 54,000 | 156,000 | 269,000 | -952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,089,000 | 32,503,000 | 32,613,000 | 31,358,000 |
| Total capital | 33,251,000 | 33,685,000 | 33,795,000 | 32,554,000 |
| Risk-weighted assets | 90,929,000 | 92,693,000 | 93,157,000 | 94,509,000 |