Call reports 2003
FIVE STAR BANK — 2003
What FIVE STAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,703,000 | 75,050,000 | 82,729,000 | 102,841,000 |
| Total loans | 53,756,000 | 55,076,000 | 63,021,000 | 69,294,000 |
| Allowance for loan losses | 511,000 | 552,000 | 609,000 | 681,000 |
| Securities available for sale | 11,532,000 | 12,671,000 | 9,946,000 | 7,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,316,000 | 59,440,000 | 67,365,000 | 87,274,000 |
| Interest-bearing deposits | 63,038,000 | 54,592,000 | 61,497,000 | 69,248,000 |
| Noninterest-bearing deposits | 4,278,000 | 4,848,000 | 5,868,000 | 18,026,000 |
| Equity capital | 12,585,000 | 12,561,000 | 12,536,000 | 12,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 2,189,000 | 3,295,000 | 4,550,000 |
| Interest expense | 291,000 | 556,000 | 798,000 | 1,045,000 |
| Net interest income | 799,000 | 1,633,000 | 2,497,000 | 3,505,000 |
| Noninterest income | 21,000 | 40,000 | 58,000 | 78,000 |
| Noninterest expense | 452,000 | 939,000 | 1,405,000 | 1,900,000 |
| Provision for loan losses | 31,000 | 71,000 | 128,000 | 200,000 |
| Pretax income | 337,000 | 663,000 | 1,022,000 | 1,483,000 |
| Income tax | 11,000 | 21,000 | 32,000 | 47,000 |
| Net income | 326,000 | 642,000 | 990,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,502,000 | 12,526,000 | 12,509,000 | 12,495,000 |
| Total capital | 13,013,000 | 13,078,000 | 13,118,000 | 13,176,000 |
| Risk-weighted assets | 63,870,000 | 66,724,000 | 75,009,000 | 82,799,000 |