Call reports 2013
FIVE STAR BANK — 2013
What FIVE STAR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 576,601,000 | 540,886,000 | 570,160,000 | 564,382,000 |
| Total loans | 381,974,000 | 397,445,000 | 409,589,000 | 417,610,000 |
| Allowance for loan losses | 6,399,000 | 6,294,000 | 5,593,000 | 5,904,000 |
| Securities available for sale | 50,317,000 | 47,539,000 | 39,141,000 | 36,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,617,000 | 489,551,000 | 518,566,000 | 513,222,000 |
| Interest-bearing deposits | 322,866,000 | 367,081,000 | 392,704,000 | 390,380,000 |
| Noninterest-bearing deposits | 201,751,000 | 122,469,000 | 125,861,000 | 122,842,000 |
| Equity capital | 50,538,000 | 49,777,000 | 50,116,000 | 49,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,455,000 | 11,150,000 | 16,821,000 | 22,440,000 |
| Interest expense | 472,000 | 926,000 | 1,373,000 | 1,787,000 |
| Net interest income | 4,983,000 | 10,224,000 | 15,448,000 | 20,653,000 |
| Noninterest income | 364,000 | 856,000 | 1,277,000 | 1,651,000 |
| Noninterest expense | 2,352,000 | 4,628,000 | 7,053,000 | 9,841,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,995,000 | 6,452,000 | 9,701,000 | 12,499,000 |
| Income tax | 97,000 | 208,000 | 320,000 | 379,000 |
| Net income | 2,898,000 | 6,244,000 | 9,381,000 | 12,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,076,000 | 50,572,000 | 50,622,000 | 50,253,000 |
| Total capital | 55,682,000 | 56,282,000 | 56,215,000 | 55,948,000 |
| Risk-weighted assets | 447,821,000 | 456,318,000 | 460,238,000 | 455,535,000 |