Call reports 2015
FIVE STAR BANK — 2015
What FIVE STAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 650,596,000 | 748,878,000 | 796,687,000 | 811,358,000 |
| Total loans | 493,124,000 | 503,018,000 | 530,957,000 | 544,712,000 |
| Allowance for loan losses | 6,158,000 | 6,266,000 | 6,477,000 | 6,778,000 |
| Securities available for sale | 24,819,000 | 25,617,000 | 34,949,000 | 37,491,000 |
| Securities held to maturity | 0 | 10,683,000 | 10,665,000 | 10,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,010,000 | 683,308,000 | 730,099,000 | 744,771,000 |
| Interest-bearing deposits | 381,244,000 | 464,303,000 | 534,461,000 | 534,080,000 |
| Noninterest-bearing deposits | 203,766,000 | 219,005,000 | 195,638,000 | 210,691,000 |
| Equity capital | 63,726,000 | 63,742,000 | 64,482,000 | 64,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,011,000 | 12,441,000 | 19,283,000 | 26,398,000 |
| Interest expense | 321,000 | 653,000 | 1,058,000 | 1,478,000 |
| Net interest income | 5,690,000 | 11,788,000 | 18,225,000 | 24,920,000 |
| Noninterest income | 145,000 | 290,000 | 525,000 | 745,000 |
| Noninterest expense | 2,551,000 | 5,158,000 | 7,823,000 | 10,678,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 350,000 |
| Pretax income | 3,284,000 | 6,820,000 | 10,777,000 | 14,661,000 |
| Income tax | 115,000 | 242,000 | 380,000 | 505,000 |
| Net income | 3,169,000 | 6,578,000 | 10,397,000 | 14,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,612,000 | 64,006,000 | 64,502,000 | 64,630,000 |
| Total capital | 69,820,000 | 70,322,000 | 71,029,000 | 71,483,000 |
| Risk-weighted assets | 543,269,000 | 582,008,000 | 621,161,000 | 634,175,000 |