Call reports 2009
5STAR BANK — 2009
What 5STAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 157,437,000 | 176,595,000 | 179,929,000 | 179,501,000 |
| Total loans | 111,013,000 | 119,426,000 | 127,622,000 | 134,359,000 |
| Allowance for loan losses | 2,925,000 | 3,499,000 | 4,099,000 | 4,831,000 |
| Securities available for sale | 31,939,000 | 30,926,000 | 29,430,000 | 28,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,804,000 | 139,906,000 | 143,189,000 | 143,505,000 |
| Interest-bearing deposits | 118,950,000 | 138,142,000 | 141,476,000 | 142,299,000 |
| Noninterest-bearing deposits | 1,854,000 | 1,764,000 | 1,713,000 | 1,206,000 |
| Equity capital | 34,650,000 | 34,327,000 | 34,827,000 | 34,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,671,000 | 5,356,000 | 8,186,000 | 11,033,000 |
| Interest expense | 584,000 | 1,199,000 | 1,853,000 | 2,456,000 |
| Net interest income | 2,087,000 | 4,157,000 | 6,333,000 | 8,577,000 |
| Noninterest income | 1,225,000 | 2,560,000 | 3,859,000 | 5,146,000 |
| Noninterest expense | 2,567,000 | 5,202,000 | 7,630,000 | 10,055,000 |
| Provision for loan losses | 633,000 | 1,905,000 | 2,768,000 | 4,108,000 |
| Pretax income | 117,000 | -385,000 | -201,000 | -435,000 |
| Income tax | -5,000 | -240,000 | -218,000 | -302,000 |
| Net income | 122,000 | -145,000 | 17,000 | -133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,737,000 | 32,242,000 | 32,623,000 | 32,149,000 |
| Total capital | 34,220,000 | 33,876,000 | 34,337,000 | 33,931,000 |
| Risk-weighted assets | 117,240,000 | 128,817,000 | 134,705,000 | 139,476,000 |