Call reports 2010
FIVE STAR BANK — 2010
What FIVE STAR BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 393,058,000 | 382,576,000 | 403,172,000 | 399,339,000 |
| Total loans | 304,556,000 | 312,001,000 | 318,084,000 | 322,127,000 |
| Allowance for loan losses | 6,943,000 | 6,877,000 | 6,654,000 | 6,557,000 |
| Securities available for sale | 23,455,000 | 14,959,000 | 16,775,000 | 14,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,615,000 | 325,057,000 | 344,175,000 | 353,344,000 |
| Interest-bearing deposits | 303,133,000 | 296,043,000 | 310,822,000 | 307,458,000 |
| Noninterest-bearing deposits | 33,482,000 | 29,014,000 | 33,353,000 | 45,886,000 |
| Equity capital | 39,626,000 | 41,392,000 | 42,951,000 | 44,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,901,000 | 9,940,000 | 15,150,000 | 20,347,000 |
| Interest expense | 1,306,000 | 2,558,000 | 3,655,000 | 4,619,000 |
| Net interest income | 3,595,000 | 7,382,000 | 11,495,000 | 15,728,000 |
| Noninterest income | 114,000 | 367,000 | 739,000 | 1,116,000 |
| Noninterest expense | 1,798,000 | 3,751,000 | 5,904,000 | 8,617,000 |
| Provision for loan losses | 1,000,000 | 1,750,000 | 2,150,000 | 2,450,000 |
| Pretax income | 469,000 | 1,153,000 | 2,770,000 | 4,183,000 |
| Income tax | 17,000 | 12,000 | 69,000 | 83,000 |
| Net income | 452,000 | 1,141,000 | 2,701,000 | 4,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,746,000 | 41,435,000 | 42,995,000 | 44,337,000 |
| Total capital | 45,085,000 | 45,832,000 | 47,563,000 | 49,020,000 |
| Risk-weighted assets | 361,431,000 | 361,816,000 | 377,470,000 | 373,126,000 |