Call reports 2020
5STAR BANK — 2020
What 5STAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 277,604,000 | 367,061,000 | 380,916,000 | 402,970,000 |
| Total loans | 240,065,000 | 267,263,000 | 272,725,000 | 267,512,000 |
| Allowance for loan losses | 3,817,000 | 5,155,000 | 4,480,000 | 4,101,000 |
| Securities available for sale | 0 | 1,000,000 | 1,045,000 | 6,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,922,000 | 293,451,000 | 305,252,000 | 330,732,000 |
| Interest-bearing deposits | 186,815,000 | 219,659,000 | 228,128,000 | 238,608,000 |
| Noninterest-bearing deposits | 49,107,000 | 73,792,000 | 77,124,000 | 92,124,000 |
| Equity capital | 40,882,000 | 40,601,000 | 42,106,000 | 43,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,658,000 | 7,222,000 | 10,540,000 | 14,717,000 |
| Interest expense | 609,000 | 1,159,000 | 1,626,000 | 2,049,000 |
| Net interest income | 3,049,000 | 6,063,000 | 8,914,000 | 12,668,000 |
| Noninterest income | 292,000 | 397,000 | 640,000 | 776,000 |
| Noninterest expense | 1,880,000 | 3,994,000 | 5,817,000 | 8,148,000 |
| Provision for loan losses | 801,000 | 2,178,000 | 1,501,000 | 1,093,000 |
| Pretax income | 660,000 | 288,000 | 2,236,000 | 4,203,000 |
| Income tax | 165,000 | 74,000 | 551,000 | 1,048,000 |
| Net income | 495,000 | 214,000 | 1,685,000 | 3,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,989,000 | 39,670,000 | 41,144,000 | 42,638,000 |
| Total capital | 43,072,000 | — | — | — |
| Risk-weighted assets | 245,885,000 | — | — | — |