Call reports 2018
FIVE STAR BANK — 2018
What FIVE STAR BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,135,327,000 | 1,158,054,000 | 1,120,348,000 | 1,272,013,000 |
| Total loans | 817,517,000 | 847,194,000 | 890,856,000 | 966,545,000 |
| Allowance for loan losses | 10,152,000 | 10,814,000 | 11,000,000 | 11,639,000 |
| Securities available for sale | 69,347,000 | 72,758,000 | 71,402,000 | 70,228,000 |
| Securities held to maturity | 9,890,000 | 9,871,000 | 9,467,000 | 9,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,030,737,000 | 1,052,591,000 | 1,016,376,000 | 1,164,614,000 |
| Interest-bearing deposits | 720,185,000 | 756,958,000 | 712,472,000 | 824,598,000 |
| Noninterest-bearing deposits | 310,552,000 | 295,633,000 | 303,904,000 | 340,016,000 |
| Equity capital | 101,180,000 | 101,935,000 | 100,682,000 | 101,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 11,240,000 | 24,086,000 | 37,165,000 | 51,518,000 |
| Interest expense | 1,003,000 | 2,418,000 | 3,892,000 | 5,695,000 |
| Net interest income | 10,237,000 | 21,668,000 | 33,273,000 | 45,823,000 |
| Noninterest income | 860,000 | 1,858,000 | 2,418,000 | 3,511,000 |
| Noninterest expense | 4,097,000 | 8,642,000 | 13,172,000 | 19,427,000 |
| Provision for loan losses | 600,000 | 1,500,000 | 2,900,000 | 4,000,000 |
| Pretax income | 6,352,000 | 13,306,000 | 19,484,000 | 25,666,000 |
| Income tax | 225,000 | 473,000 | 691,000 | 863,000 |
| Net income | 6,127,000 | 12,833,000 | 18,793,000 | 24,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,715,000 | 103,575,000 | 102,793,000 | 103,126,000 |
| Total capital | 112,969,000 | 114,491,000 | 113,895,000 | 114,867,000 |
| Risk-weighted assets | 945,183,000 | 979,752,000 | 1,013,751,000 | 1,090,501,000 |