Call reports 2025
FIVE STAR BANK — 2025
What FIVE STAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,243,340,000 | 4,411,742,000 | 4,639,784,000 | 4,752,354,000 |
| Total loans | 3,624,488,000 | 3,758,334,000 | 3,887,259,000 | 4,074,929,000 |
| Allowance for loan losses | 39,224,000 | 40,167,000 | 42,061,000 | 44,409,000 |
| Securities available for sale | 97,111,000 | 94,990,000 | 95,635,000 | 94,698,000 |
| Securities held to maturity | 2,605,000 | 2,605,000 | 2,210,000 | 2,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,746,231,000 | 3,903,938,000 | 4,112,321,000 | 4,209,689,000 |
| Interest-bearing deposits | 2,802,703,000 | 2,890,562,000 | 3,044,355,000 | 3,116,547,000 |
| Noninterest-bearing deposits | 943,528,000 | 1,013,376,000 | 1,067,966,000 | 1,093,142,000 |
| Equity capital | 461,588,000 | 473,015,000 | 486,115,000 | 501,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 57,569,000 | 118,665,000 | 183,976,000 | 250,903,000 |
| Interest expense | 21,948,000 | 44,852,000 | 69,187,000 | 92,382,000 |
| Net interest income | 35,621,000 | 73,813,000 | 114,789,000 | 158,521,000 |
| Noninterest income | 1,221,000 | 2,832,000 | 4,714,000 | 5,924,000 |
| Noninterest expense | 14,667,000 | 29,910,000 | 46,004,000 | 63,149,000 |
| Provision for loan losses | 2,150,000 | 4,550,000 | 7,050,000 | 9,750,000 |
| Pretax income | 20,275,000 | 42,335,000 | 66,599,000 | 91,596,000 |
| Income tax | 5,840,000 | 11,888,000 | 18,358,000 | 24,263,000 |
| Net income | 14,435,000 | 30,447,000 | 48,241,000 | 67,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 472,723,000 | 484,601,000 | 495,722,000 | 510,067,000 |
| Total capital | 511,341,000 | 524,263,000 | 537,278,000 | 554,071,000 |
| Risk-weighted assets | 3,788,974,000 | 3,942,276,000 | 4,085,463,000 | 4,288,351,000 |