Call reports 2005
FIVE STAR BANK — 2005
What FIVE STAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 207,642,000 | 213,010,000 | 225,000,000 | 252,056,000 |
| Total loans | 168,572,000 | 174,628,000 | 185,783,000 | 187,965,000 |
| Allowance for loan losses | 1,656,000 | 1,966,000 | 2,246,000 | 2,461,000 |
| Securities available for sale | 6,056,000 | 16,458,000 | 9,995,000 | 13,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,944,000 | 186,343,000 | 197,774,000 | 224,637,000 |
| Interest-bearing deposits | 163,493,000 | 170,538,000 | 183,076,000 | 207,166,000 |
| Noninterest-bearing deposits | 16,451,000 | 15,805,000 | 14,698,000 | 17,471,000 |
| Equity capital | 26,363,000 | 25,415,000 | 25,887,000 | 26,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,652,000 | 5,865,000 | 9,428,000 | 13,565,000 |
| Interest expense | 698,000 | 1,599,000 | 2,606,000 | 3,976,000 |
| Net interest income | 1,954,000 | 4,266,000 | 6,822,000 | 9,589,000 |
| Noninterest income | 1,410,000 | 1,532,000 | 1,633,000 | 1,711,000 |
| Noninterest expense | 890,000 | 1,901,000 | 2,915,000 | 3,978,000 |
| Provision for loan losses | 320,000 | 630,000 | 910,000 | 1,125,000 |
| Pretax income | 2,154,000 | 3,267,000 | 4,630,000 | 6,197,000 |
| Income tax | 74,000 | 113,000 | 162,000 | 217,000 |
| Net income | 2,080,000 | 3,154,000 | 4,468,000 | 5,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,420,000 | 25,427,000 | 25,941,000 | 26,153,000 |
| Total capital | 28,076,000 | 27,393,000 | 28,187,000 | 28,614,000 |
| Risk-weighted assets | 193,142,000 | 196,802,000 | 213,802,000 | 216,481,000 |