Call reports 2013
5STAR BANK — 2013
What 5STAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 175,092,000 | 168,857,000 | 170,711,000 | 174,371,000 |
| Total loans | 100,773,000 | 92,927,000 | 93,558,000 | 99,746,000 |
| Allowance for loan losses | 1,206,000 | 1,132,000 | 1,513,000 | 1,241,000 |
| Securities available for sale | 53,446,000 | 49,242,000 | 51,633,000 | 48,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,770,000 | 131,591,000 | 133,148,000 | 136,813,000 |
| Interest-bearing deposits | 128,147,000 | 120,077,000 | 120,884,000 | 124,715,000 |
| Noninterest-bearing deposits | 9,623,000 | 11,514,000 | 12,264,000 | 12,098,000 |
| Equity capital | 36,646,000 | 36,524,000 | 36,774,000 | 36,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,807,000 | 3,549,000 | 5,208,000 | 6,875,000 |
| Interest expense | 199,000 | 382,000 | 559,000 | 731,000 |
| Net interest income | 1,608,000 | 3,167,000 | 4,649,000 | 6,144,000 |
| Noninterest income | 130,000 | 322,000 | 652,000 | 845,000 |
| Noninterest expense | 1,405,000 | 2,912,000 | 4,235,000 | 6,116,000 |
| Provision for loan losses | -98,000 | -173,000 | 210,000 | -62,000 |
| Pretax income | 431,000 | 750,000 | 856,000 | 935,000 |
| Income tax | 135,000 | 229,000 | 246,000 | 252,000 |
| Net income | 296,000 | 521,000 | 610,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,773,000 | 35,819,000 | 35,924,000 | 35,884,000 |
| Total capital | 36,979,000 | 36,951,000 | 37,311,000 | 37,125,000 |
| Risk-weighted assets | 116,807,000 | 109,903,000 | 110,783,000 | 116,278,000 |