Call reports 2004
FIVE STAR BANK — 2004
What FIVE STAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 149,024,000 | 87,920,000 | 96,601,000 | 123,041,000 |
| Total loans | 72,412,000 | 73,457,000 | 81,372,000 | 96,088,000 |
| Allowance for loan losses | 710,000 | 751,000 | 811,000 | 963,000 |
| Securities available for sale | 6,265,000 | 3,755,000 | 7,015,000 | 6,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,652,000 | 72,052,000 | 80,932,000 | 106,153,000 |
| Interest-bearing deposits | 127,809,000 | 63,753,000 | 72,198,000 | 95,172,000 |
| Noninterest-bearing deposits | 5,843,000 | 8,299,000 | 8,734,000 | 10,981,000 |
| Equity capital | 12,621,000 | 13,143,000 | 13,463,000 | 13,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,531,000 | 3,887,000 | 5,510,000 |
| Interest expense | 274,000 | 531,000 | 817,000 | 1,198,000 |
| Net interest income | 1,018,000 | 2,000,000 | 3,070,000 | 4,312,000 |
| Noninterest income | 21,000 | 48,000 | 71,000 | 129,000 |
| Noninterest expense | 451,000 | 859,000 | 1,251,000 | 1,700,000 |
| Provision for loan losses | 37,000 | 77,000 | 137,000 | 289,000 |
| Pretax income | 551,000 | 1,112,000 | 1,753,000 | 2,452,000 |
| Income tax | 18,000 | 38,000 | 60,000 | 85,000 |
| Net income | 533,000 | 1,074,000 | 1,693,000 | 2,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,582,000 | 13,123,000 | 13,441,000 | 13,616,000 |
| Total capital | 13,292,000 | 13,874,000 | 14,252,000 | 14,579,000 |
| Risk-weighted assets | 95,217,000 | 83,006,000 | 91,810,000 | 107,883,000 |