Call reports 2006
FIVE STAR BANK — 2006
What FIVE STAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 245,203,000 | 265,378,000 | 260,512,000 | 283,916,000 |
| Total loans | 187,091,000 | 182,676,000 | 192,874,000 | 196,134,000 |
| Allowance for loan losses | 2,476,000 | 2,476,000 | 2,476,000 | 2,246,000 |
| Securities available for sale | 9,349,000 | 8,757,000 | 17,216,000 | 36,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,529,000 | 238,048,000 | 232,939,000 | 255,995,000 |
| Interest-bearing deposits | 197,709,000 | 219,780,000 | 213,578,000 | 220,047,000 |
| Noninterest-bearing deposits | 19,820,000 | 18,268,000 | 19,361,000 | 35,948,000 |
| Equity capital | 26,265,000 | 26,039,000 | 26,200,000 | 26,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,274,000 | 8,775,000 | 13,644,000 | 18,483,000 |
| Interest expense | 1,643,000 | 3,562,000 | 5,785,000 | 8,010,000 |
| Net interest income | 2,631,000 | 5,213,000 | 7,859,000 | 10,473,000 |
| Noninterest income | 122,000 | 183,000 | 255,000 | 597,000 |
| Noninterest expense | 907,000 | 1,990,000 | 3,044,000 | 4,493,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 1,831,000 | 3,391,000 | 5,055,000 | 6,562,000 |
| Income tax | 64,000 | 119,000 | 176,000 | 87,000 |
| Net income | 1,767,000 | 3,272,000 | 4,879,000 | 6,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,445,000 | 26,339,000 | 26,335,000 | 26,319,000 |
| Total capital | 28,921,000 | 28,815,000 | 28,811,000 | 28,795,000 |
| Risk-weighted assets | 211,917,000 | 208,112,000 | 224,016,000 | 232,886,000 |