Call reports 2007
FIVE STAR BANK — 2007
What FIVE STAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 287,667,000 | 279,866,000 | 314,869,000 | 325,483,000 |
| Total loans | 203,689,000 | 217,759,000 | 220,226,000 | 233,434,000 |
| Allowance for loan losses | 2,346,000 | 2,396,000 | 2,396,000 | 2,651,000 |
| Securities available for sale | 32,049,000 | 42,116,000 | 40,508,000 | 45,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,221,000 | 238,611,000 | 273,194,000 | 271,763,000 |
| Interest-bearing deposits | 223,983,000 | 194,542,000 | 235,639,000 | 228,698,000 |
| Noninterest-bearing deposits | 36,238,000 | 44,069,000 | 37,555,000 | 43,065,000 |
| Equity capital | 26,232,000 | 26,008,000 | 26,350,000 | 38,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,185,000 | 10,065,000 | 15,571,000 | 20,861,000 |
| Interest expense | 2,404,000 | 4,683,000 | 7,141,000 | 9,461,000 |
| Net interest income | 2,781,000 | 5,382,000 | 8,430,000 | 11,400,000 |
| Noninterest income | 104,000 | 272,000 | 311,000 | 464,000 |
| Noninterest expense | 1,107,000 | 2,150,000 | 3,386,000 | 4,750,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 405,000 |
| Pretax income | 1,678,000 | 3,354,000 | 5,205,000 | 6,759,000 |
| Income tax | 47,000 | 94,000 | 146,000 | 188,000 |
| Net income | 1,631,000 | 3,260,000 | 5,059,000 | 6,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,337,000 | 26,351,000 | 26,534,000 | 38,305,000 |
| Total capital | 28,853,000 | 28,917,000 | 29,100,000 | 41,046,000 |
| Risk-weighted assets | 236,735,000 | 247,394,000 | 261,462,000 | 288,791,000 |