Call reports 2014
FIVE STAR BANK — 2014
What FIVE STAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 561,414,000 | 615,305,000 | 623,714,000 | 603,753,000 |
| Total loans | 436,423,000 | 460,118,000 | 448,075,000 | 470,075,000 |
| Allowance for loan losses | 5,826,000 | 5,901,000 | 5,913,000 | 6,150,000 |
| Securities available for sale | 48,886,000 | 47,289,000 | 45,589,000 | 26,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,801,000 | 563,268,000 | 571,159,000 | 537,533,000 |
| Interest-bearing deposits | 362,717,000 | 390,968,000 | 365,067,000 | 372,662,000 |
| Noninterest-bearing deposits | 147,084,000 | 172,300,000 | 206,092,000 | 164,871,000 |
| Equity capital | 50,096,000 | 50,442,000 | 50,753,000 | 63,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,653,000 | 11,499,000 | 17,576,000 | 23,593,000 |
| Interest expense | 357,000 | 700,000 | 1,010,000 | 1,342,000 |
| Net interest income | 5,296,000 | 10,799,000 | 16,566,000 | 22,251,000 |
| Noninterest income | 205,000 | 364,000 | 784,000 | 967,000 |
| Noninterest expense | 2,319,000 | 4,727,000 | 7,296,000 | 10,142,000 |
| Provision for loan losses | 0 | 50,000 | 350,000 | 350,000 |
| Pretax income | 3,182,000 | 6,425,000 | 9,743,000 | 12,891,000 |
| Income tax | 111,000 | 219,000 | 336,000 | 431,000 |
| Net income | 3,071,000 | 6,206,000 | 9,407,000 | 12,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,539,000 | 50,697,000 | 51,034,000 | 63,484,000 |
| Total capital | 56,495,000 | 56,684,000 | 56,997,000 | 69,684,000 |
| Risk-weighted assets | 476,606,000 | 506,799,000 | 493,344,000 | 504,341,000 |