Call reports 2008
FIVE STAR BANK — 2008
What FIVE STAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 329,250,000 | 344,510,000 | 362,662,000 | 350,255,000 |
| Total loans | 245,478,000 | 248,926,000 | 266,288,000 | 291,973,000 |
| Allowance for loan losses | 2,981,000 | 3,479,000 | 3,519,000 | 3,594,000 |
| Securities available for sale | 52,297,000 | 43,998,000 | 37,705,000 | 44,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,739,000 | 292,462,000 | 309,586,000 | 296,588,000 |
| Interest-bearing deposits | 233,112,000 | 256,717,000 | 281,235,000 | 267,784,000 |
| Noninterest-bearing deposits | 41,627,000 | 35,744,000 | 28,351,000 | 28,804,000 |
| Equity capital | 38,590,000 | 36,964,000 | 37,203,000 | 37,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,184,000 | 10,192,000 | 15,159,000 | 20,249,000 |
| Interest expense | 2,027,000 | 3,691,000 | 5,401,000 | 7,079,000 |
| Net interest income | 3,157,000 | 6,501,000 | 9,758,000 | 13,170,000 |
| Noninterest income | 41,000 | 93,000 | 142,000 | 188,000 |
| Noninterest expense | 1,309,000 | 2,716,000 | 4,096,000 | 5,578,000 |
| Provision for loan losses | 330,000 | 910,000 | 950,000 | 1,595,000 |
| Pretax income | 1,559,000 | 2,968,000 | 4,928,000 | 6,023,000 |
| Income tax | 43,000 | 93,000 | 161,000 | 131,000 |
| Net income | 1,516,000 | 2,875,000 | 4,767,000 | 5,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,346,000 | 38,221,000 | 38,815,000 | 38,457,000 |
| Total capital | 41,417,000 | 41,790,000 | 42,424,000 | 42,141,000 |
| Risk-weighted assets | 275,919,000 | 295,819,000 | 315,011,000 | 331,838,000 |