Call reports 2016
FIVE STAR BANK — 2016
What FIVE STAR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 810,487,000 | 786,906,000 | 759,178,000 | 840,356,000 |
| Total loans | 564,588,000 | 572,508,000 | 594,021,000 | 641,835,000 |
| Allowance for loan losses | 6,984,000 | 7,164,000 | 8,344,000 | 8,344,000 |
| Securities available for sale | 39,995,000 | 51,551,000 | 58,157,000 | 71,397,000 |
| Securities held to maturity | 10,627,000 | 10,608,000 | 10,363,000 | 10,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 743,345,000 | 717,261,000 | 691,670,000 | 761,389,000 |
| Interest-bearing deposits | 526,019,000 | 508,684,000 | 474,063,000 | 526,037,000 |
| Noninterest-bearing deposits | 217,326,000 | 208,577,000 | 217,607,000 | 235,352,000 |
| Equity capital | 65,082,000 | 65,653,000 | 65,158,000 | 76,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,320,000 | 14,830,000 | 22,524,000 | 30,648,000 |
| Interest expense | 439,000 | 875,000 | 1,312,000 | 1,778,000 |
| Net interest income | 6,881,000 | 13,955,000 | 21,212,000 | 28,870,000 |
| Noninterest income | 192,000 | 445,000 | 703,000 | 1,002,000 |
| Noninterest expense | 2,738,000 | 5,627,000 | 8,504,000 | 11,685,000 |
| Provision for loan losses | 200,000 | 300,000 | 1,500,000 | 1,500,000 |
| Pretax income | 4,167,000 | 8,505,000 | 11,943,000 | 16,747,000 |
| Income tax | 143,000 | 296,000 | 419,000 | 588,000 |
| Net income | 4,024,000 | 8,209,000 | 11,524,000 | 16,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,003,000 | 65,250,000 | 64,619,000 | 78,516,000 |
| Total capital | 72,062,000 | 72,489,000 | 73,038,000 | 86,962,000 |
| Risk-weighted assets | 642,912,000 | 652,691,000 | 681,172,000 | 728,124,000 |