Call reports 2016
5STAR BANK — 2016
What 5STAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,383,000 | 148,186,000 | 154,280,000 | 157,868,000 |
| Total loans | 116,298,000 | 123,707,000 | 125,093,000 | 134,252,000 |
| Allowance for loan losses | 557,000 | 867,000 | 997,000 | 1,245,000 |
| Securities available for sale | 5,825,000 | 4,460,000 | 4,165,000 | 3,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,750,000 | 131,528,000 | 137,167,000 | 140,321,000 |
| Interest-bearing deposits | 113,362,000 | 112,338,000 | 114,743,000 | 116,702,000 |
| Noninterest-bearing deposits | 21,388,000 | 19,190,000 | 22,424,000 | 23,619,000 |
| Equity capital | 16,013,000 | 16,293,000 | 16,661,000 | 16,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,832,000 | 3,643,000 | 5,485,000 | 7,438,000 |
| Interest expense | 129,000 | 287,000 | 451,000 | 615,000 |
| Net interest income | 1,703,000 | 3,356,000 | 5,034,000 | 6,823,000 |
| Noninterest income | 139,000 | 288,000 | 441,000 | 594,000 |
| Noninterest expense | 1,091,000 | 2,143,000 | 3,228,000 | 4,548,000 |
| Provision for loan losses | 24,000 | 334,000 | 504,000 | 752,000 |
| Pretax income | 727,000 | 1,167,000 | 1,743,000 | 2,117,000 |
| Income tax | 271,000 | 436,000 | 650,000 | 791,000 |
| Net income | 456,000 | 731,000 | 1,093,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,060,000 | 15,368,000 | 15,691,000 | 15,940,000 |
| Total capital | 15,617,000 | 16,235,000 | 16,688,000 | 17,185,000 |
| Risk-weighted assets | 123,235,000 | 126,018,000 | 128,073,000 | 135,030,000 |