Call reports 2009
FIVE STAR BANK — 2009
What FIVE STAR BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 367,197,000 | 363,920,000 | 372,344,000 | 381,280,000 |
| Total loans | 300,119,000 | 308,518,000 | 313,218,000 | 309,226,000 |
| Allowance for loan losses | 4,491,000 | 4,598,000 | 5,307,000 | 6,631,000 |
| Securities available for sale | 37,738,000 | 18,131,000 | 16,908,000 | 20,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,600,000 | 311,455,000 | 320,590,000 | 327,266,000 |
| Interest-bearing deposits | 291,335,000 | 288,599,000 | 295,522,000 | 300,564,000 |
| Noninterest-bearing deposits | 23,265,000 | 22,856,000 | 25,067,000 | 26,702,000 |
| Equity capital | 37,004,000 | 36,945,000 | 36,227,000 | 38,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,022,000 | 10,196,000 | 15,169,000 | 20,141,000 |
| Interest expense | 1,696,000 | 3,193,000 | 4,606,000 | 5,984,000 |
| Net interest income | 3,326,000 | 7,003,000 | 10,563,000 | 14,157,000 |
| Noninterest income | 52,000 | 98,000 | 149,000 | 330,000 |
| Noninterest expense | 1,561,000 | 3,378,000 | 5,162,000 | 7,177,000 |
| Provision for loan losses | 1,060,000 | 2,060,000 | 3,760,000 | 10,100,000 |
| Pretax income | 1,200,000 | 2,439,000 | 2,566,000 | -2,229,000 |
| Income tax | 42,000 | 96,000 | 100,000 | 25,000 |
| Net income | 1,158,000 | 2,343,000 | 2,466,000 | -2,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,134,000 | 38,204,000 | 37,215,000 | 40,295,000 |
| Total capital | 42,419,000 | 42,514,000 | 41,483,000 | 44,516,000 |
| Risk-weighted assets | 342,499,000 | 343,665,000 | 342,206,000 | 348,847,000 |