Call reports 2012
5STAR BANK — 2012
What 5STAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 187,386,000 | 182,035,000 | 176,042,000 | 177,964,000 |
| Total loans | 96,098,000 | 101,052,000 | 110,178,000 | 107,708,000 |
| Allowance for loan losses | 1,509,000 | 1,461,000 | 1,574,000 | 1,305,000 |
| Securities available for sale | 52,629,000 | 49,648,000 | 45,782,000 | 41,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,090,000 | 142,958,000 | 137,213,000 | 139,933,000 |
| Interest-bearing deposits | 141,501,000 | 133,572,000 | 126,230,000 | 130,908,000 |
| Noninterest-bearing deposits | 7,589,000 | 9,386,000 | 10,983,000 | 9,025,000 |
| Equity capital | 37,464,000 | 37,559,000 | 37,858,000 | 36,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,834,000 | 3,668,000 | 5,560,000 | 7,461,000 |
| Interest expense | 235,000 | 466,000 | 686,000 | 905,000 |
| Net interest income | 1,599,000 | 3,202,000 | 4,874,000 | 6,556,000 |
| Noninterest income | 142,000 | 285,000 | 433,000 | 699,000 |
| Noninterest expense | 1,387,000 | 2,853,000 | 4,191,000 | 6,254,000 |
| Provision for loan losses | 106,000 | 58,000 | 161,000 | -107,000 |
| Pretax income | 248,000 | 576,000 | 955,000 | 2,263,000 |
| Income tax | 60,000 | 154,000 | 268,000 | 731,000 |
| Net income | 188,000 | 422,000 | 687,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,342,000 | 36,576,000 | 36,841,000 | 35,573,000 |
| Total capital | 37,830,000 | 38,037,000 | 38,415,000 | 36,878,000 |
| Risk-weighted assets | 119,024,000 | 121,657,000 | 127,218,000 | 123,361,000 |