Call reports 2002
FIVE STAR BANK — 2002
What FIVE STAR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 54,156,000 | 61,214,000 | 66,167,000 | 80,999,000 |
| Total loans | 37,628,000 | 44,147,000 | 47,598,000 | 50,431,000 |
| Allowance for loan losses | 309,000 | 375,000 | 431,000 | 480,000 |
| Securities available for sale | 5,770,000 | 7,260,000 | 9,691,000 | 10,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,584,000 | 45,493,000 | 50,400,000 | 65,587,000 |
| Interest-bearing deposits | 38,920,000 | 42,471,000 | 46,868,000 | 62,034,000 |
| Noninterest-bearing deposits | 2,663,000 | 3,022,000 | 3,532,000 | 3,552,000 |
| Equity capital | 12,349,000 | 12,472,000 | 12,502,000 | 12,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,661,000 | 2,700,000 | 3,792,000 |
| Interest expense | 206,000 | 469,000 | 768,000 | 1,083,000 |
| Net interest income | 541,000 | 1,192,000 | 1,932,000 | 2,709,000 |
| Noninterest income | 36,000 | 119,000 | 135,000 | 157,000 |
| Noninterest expense | 338,000 | 705,000 | 1,126,000 | 1,533,000 |
| Provision for loan losses | 52,000 | 118,000 | 173,000 | 222,000 |
| Pretax income | 192,000 | 493,000 | 773,000 | 1,116,000 |
| Income tax | 9,000 | 21,000 | 33,000 | 46,000 |
| Net income | 183,000 | 472,000 | 740,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,313,000 | 12,361,000 | 12,388,000 | 12,477,000 |
| Total capital | 12,622,000 | 12,736,000 | 12,819,000 | 12,957,000 |
| Risk-weighted assets | 44,792,000 | 50,735,000 | 54,815,000 | 61,369,000 |