Call reports 2012
FIVE STAR BANK — 2012
What FIVE STAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 467,839,000 | 505,647,000 | 523,220,000 | 546,745,000 |
| Total loans | 339,341,000 | 349,030,000 | 362,877,000 | 380,552,000 |
| Allowance for loan losses | 6,585,000 | 6,810,000 | 6,880,000 | 6,178,000 |
| Securities available for sale | 54,875,000 | 74,231,000 | 62,792,000 | 41,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,205,000 | 454,121,000 | 470,182,000 | 494,139,000 |
| Interest-bearing deposits | 313,668,000 | 331,200,000 | 341,857,000 | 321,225,000 |
| Noninterest-bearing deposits | 103,537,000 | 122,920,000 | 128,325,000 | 172,914,000 |
| Equity capital | 49,048,000 | 50,019,000 | 51,160,000 | 50,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,340,000 | 10,752,000 | 16,345,000 | 21,950,000 |
| Interest expense | 641,000 | 1,282,000 | 1,923,000 | 2,543,000 |
| Net interest income | 4,699,000 | 9,470,000 | 14,422,000 | 19,407,000 |
| Noninterest income | 184,000 | 446,000 | 819,000 | 1,262,000 |
| Noninterest expense | 2,203,000 | 4,474,000 | 6,844,000 | 9,215,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 500,000 |
| Pretax income | 2,386,000 | 5,151,000 | 8,436,000 | 12,024,000 |
| Income tax | 74,000 | 163,000 | 269,000 | 357,000 |
| Net income | 2,312,000 | 4,988,000 | 8,167,000 | 11,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,879,000 | 49,432,000 | 50,254,000 | 50,211,000 |
| Total capital | 53,678,000 | 54,412,000 | 55,568,000 | 55,650,000 |
| Risk-weighted assets | 382,544,000 | 407,491,000 | 422,794,000 | 434,495,000 |