Call reports 2023
FIVE STAR BANK — 2023
What FIVE STAR BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,393,628,000 | 3,398,486,000 | 3,500,285,000 | 3,587,717,000 |
| Total loans | 2,881,163,000 | 2,935,970,000 | 3,019,255,000 | 3,093,183,000 |
| Allowance for loan losses | 34,172,000 | 33,984,000 | 34,028,000 | 34,431,000 |
| Securities available for sale | 115,140,000 | 110,794,000 | 104,085,000 | 108,083,000 |
| Securities held to maturity | 3,534,000 | 3,506,000 | 3,124,000 | 3,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,926,746,000 | 2,938,839,000 | 3,041,652,000 | 3,036,038,000 |
| Interest-bearing deposits | 2,083,733,000 | 2,096,032,000 | 2,198,777,000 | 2,195,795,000 |
| Noninterest-bearing deposits | 843,013,000 | 842,807,000 | 842,875,000 | 840,243,000 |
| Equity capital | 324,953,000 | 331,286,000 | 334,226,000 | 346,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 40,676,000 | 83,835,000 | 129,405,000 | 176,110,000 |
| Interest expense | 10,002,000 | 24,055,000 | 40,515,000 | 58,856,000 |
| Net interest income | 30,674,000 | 59,780,000 | 88,890,000 | 117,254,000 |
| Noninterest income | 1,006,000 | 3,459,000 | 4,373,000 | 5,951,000 |
| Noninterest expense | 10,496,000 | 21,840,000 | 33,177,000 | 45,276,000 |
| Provision for loan losses | 900,000 | 1,820,000 | 2,870,000 | 3,970,000 |
| Pretax income | 20,284,000 | 39,249,000 | 56,886,000 | 73,762,000 |
| Income tax | 5,880,000 | 10,830,000 | 16,120,000 | 21,126,000 |
| Net income | 14,404,000 | 28,419,000 | 40,766,000 | 52,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 337,960,000 | 345,327,000 | 351,284,000 | 359,783,000 |
| Total capital | 370,002,000 | 377,511,000 | 383,512,000 | 392,114,000 |
| Risk-weighted assets | 3,030,576,000 | 3,125,007,000 | 3,205,167,000 | 3,285,659,000 |