Call reports 2015
5STAR BANK — 2015
What 5STAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 168,606,000 | 149,015,000 | 149,356,000 | 144,877,000 |
| Total loans | 114,452,000 | 111,006,000 | 112,046,000 | 118,115,000 |
| Allowance for loan losses | 1,190,000 | 173,000 | 411,000 | 532,000 |
| Securities available for sale | 10,041,000 | 9,609,000 | 8,096,000 | 7,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,748,000 | 132,859,000 | 133,237,000 | 128,681,000 |
| Interest-bearing deposits | 117,024,000 | 116,899,000 | 117,860,000 | 111,580,000 |
| Noninterest-bearing deposits | 12,724,000 | 15,960,000 | 15,377,000 | 17,101,000 |
| Equity capital | 38,134,000 | 14,916,000 | 15,195,000 | 15,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 788,000 | 2,591,000 | 4,414,000 |
| Interest expense | 124,000 | 43,000 | 161,000 | 287,000 |
| Net interest income | 1,550,000 | 745,000 | 2,430,000 | 4,127,000 |
| Noninterest income | 140,000 | 56,000 | 198,000 | 341,000 |
| Noninterest expense | 1,153,000 | 351,000 | 1,486,000 | 2,646,000 |
| Provision for loan losses | 25,000 | 173,000 | 411,000 | 532,000 |
| Pretax income | 512,000 | 277,000 | 731,000 | 1,290,000 |
| Income tax | 179,000 | 103,000 | 271,000 | 478,000 |
| Net income | 333,000 | 174,000 | 460,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,803,000 | 13,491,000 | 14,208,000 | 14,583,000 |
| Total capital | 38,993,000 | 13,664,000 | 14,619,000 | 15,115,000 |
| Risk-weighted assets | 125,658,000 | 119,319,000 | 119,741,000 | 120,991,000 |