Call reports 2019
FIVE STAR BANK — 2019
What FIVE STAR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,377,875,000 | 1,335,065,000 | 1,423,428,000 | 1,479,772,000 |
| Total loans | 988,626,000 | 1,074,183,000 | 1,145,422,000 | 1,186,841,000 |
| Allowance for loan losses | 11,887,000 | 12,761,000 | 13,955,000 | 14,915,000 |
| Securities available for sale | 88,769,000 | 78,692,000 | 75,745,000 | 77,197,000 |
| Securities held to maturity | 9,429,000 | 9,410,000 | 8,981,000 | 8,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,255,521,000 | 1,211,390,000 | 1,235,877,000 | 1,315,537,000 |
| Interest-bearing deposits | 923,540,000 | 870,792,000 | 890,062,000 | 922,988,000 |
| Noninterest-bearing deposits | 331,981,000 | 340,598,000 | 345,815,000 | 392,549,000 |
| Equity capital | 117,282,000 | 118,774,000 | 129,935,000 | 133,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 15,182,000 | 31,305,000 | 48,070,000 | 65,352,000 |
| Interest expense | 2,340,000 | 4,990,000 | 7,563,000 | 10,034,000 |
| Net interest income | 12,842,000 | 26,315,000 | 40,507,000 | 55,318,000 |
| Noninterest income | 719,000 | 2,025,000 | 3,330,000 | 4,785,000 |
| Noninterest expense | 5,026,000 | 10,414,000 | 15,722,000 | 21,678,000 |
| Provision for loan losses | 800,000 | 2,000,000 | 3,600,000 | 5,500,000 |
| Pretax income | 7,709,000 | 15,857,000 | 24,448,000 | 32,859,000 |
| Income tax | 273,000 | 559,000 | 860,000 | 1,071,000 |
| Net income | 7,436,000 | 15,298,000 | 23,588,000 | 31,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,404,000 | 117,790,000 | 128,549,000 | 132,240,000 |
| Total capital | 129,393,000 | 130,653,000 | 142,606,000 | 147,257,000 |
| Risk-weighted assets | 1,129,542,000 | 1,176,163,000 | 1,263,888,000 | 1,308,003,000 |