Call reports 2008
5STAR BANK — 2008
What 5STAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 160,378,000 | 151,796,000 | 152,611,000 | 154,343,000 |
| Total loans | 77,966,000 | 92,745,000 | 99,642,000 | 107,539,000 |
| Allowance for loan losses | 2,365,000 | 2,579,000 | 2,542,000 | 2,816,000 |
| Securities available for sale | 57,643,000 | 40,256,000 | 38,681,000 | 37,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,557,000 | 114,969,000 | 112,189,000 | 111,504,000 |
| Interest-bearing deposits | 121,225,000 | 113,946,000 | 110,930,000 | 110,274,000 |
| Noninterest-bearing deposits | 1,332,000 | 1,023,000 | 1,259,000 | 1,230,000 |
| Equity capital | 35,110,000 | 34,410,000 | 34,228,000 | 34,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,546,000 | 5,030,000 | 7,592,000 | 10,181,000 |
| Interest expense | 820,000 | 1,510,000 | 2,168,000 | 2,787,000 |
| Net interest income | 1,726,000 | 3,520,000 | 5,424,000 | 7,394,000 |
| Noninterest income | 1,093,000 | 2,791,000 | 4,194,000 | 5,558,000 |
| Noninterest expense | 2,973,000 | 6,128,000 | 8,973,000 | 12,037,000 |
| Provision for loan losses | 335,000 | 922,000 | 2,005,000 | 2,711,000 |
| Pretax income | 2,464,000 | 2,242,000 | 1,621,000 | 1,188,000 |
| Income tax | 858,000 | 721,000 | 439,000 | 236,000 |
| Net income | 1,606,000 | 1,521,000 | 1,182,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,320,000 | 32,788,000 | 32,573,000 | 32,858,000 |
| Total capital | 34,523,000 | 34,093,000 | 33,936,000 | 34,305,000 |
| Risk-weighted assets | 95,077,000 | 103,125,000 | 107,892,000 | 114,402,000 |