Call reports 2011
FIVE STAR BANK — 2011
What FIVE STAR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 443,475,000 | 443,440,000 | 443,202,000 | 439,584,000 |
| Total loans | 326,866,000 | 319,612,000 | 331,139,000 | 339,011,000 |
| Allowance for loan losses | 7,235,000 | 7,192,000 | 6,524,000 | 6,579,000 |
| Securities available for sale | 24,797,000 | 38,217,000 | 26,861,000 | 36,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,427,000 | 394,767,000 | 393,227,000 | 389,063,000 |
| Interest-bearing deposits | 315,340,000 | 307,239,000 | 305,634,000 | 305,709,000 |
| Noninterest-bearing deposits | 81,087,000 | 87,528,000 | 87,593,000 | 83,354,000 |
| Equity capital | 45,638,000 | 47,477,000 | 48,458,000 | 48,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,079,000 | 10,297,000 | 15,513,000 | 20,827,000 |
| Interest expense | 872,000 | 1,723,000 | 2,532,000 | 3,248,000 |
| Net interest income | 4,207,000 | 8,574,000 | 12,981,000 | 17,579,000 |
| Noninterest income | 194,000 | 274,000 | 491,000 | 655,000 |
| Noninterest expense | 2,169,000 | 4,312,000 | 6,520,000 | 8,779,000 |
| Provision for loan losses | 920,000 | 1,020,000 | 1,270,000 | 1,270,000 |
| Pretax income | 1,312,000 | 3,516,000 | 5,877,000 | 8,382,000 |
| Income tax | 33,000 | 103,000 | 178,000 | 259,000 |
| Net income | 1,279,000 | 3,413,000 | 5,699,000 | 8,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,614,000 | 47,041,000 | 48,150,000 | 48,691,000 |
| Total capital | 50,446,000 | 51,595,000 | 52,777,000 | 53,554,000 |
| Risk-weighted assets | 385,217,000 | 372,789,000 | 379,394,000 | 388,026,000 |