Call reports 2004
FIVE STAR BANK NATOMAS — 2004
What FIVE STAR BANK NATOMAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,853,000 | 57,390,000 | 67,557,000 | 60,133,000 |
| Total loans | 14,331,000 | 25,518,000 | 37,002,000 | 47,074,000 |
| Allowance for loan losses | 63,000 | 133,000 | 283,000 | 373,000 |
| Securities available for sale | 0 | 1,815,000 | 3,911,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,067,000 | 45,777,000 | 55,901,000 | 48,514,000 |
| Interest-bearing deposits | 11,752,000 | 43,750,000 | 53,510,000 | 45,699,000 |
| Noninterest-bearing deposits | 1,315,000 | 2,027,000 | 2,391,000 | 2,815,000 |
| Equity capital | 11,710,000 | 11,530,000 | 11,576,000 | 11,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 130,000 | 432,000 | 1,068,000 | 1,842,000 |
| Interest expense | 21,000 | 70,000 | 217,000 | 402,000 |
| Net interest income | 109,000 | 362,000 | 851,000 | 1,440,000 |
| Noninterest income | 16,000 | 24,000 | 26,000 | 29,000 |
| Noninterest expense | 364,000 | 741,000 | 1,112,000 | 1,579,000 |
| Provision for loan losses | 63,000 | 133,000 | 283,000 | 373,000 |
| Pretax income | -302,000 | -488,000 | -498,000 | -441,000 |
| Income tax | -12,000 | -18,000 | -18,000 | -15,000 |
| Net income | -290,000 | -470,000 | -480,000 | -426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,710,000 | 11,530,000 | 11,520,000 | 11,574,000 |
| Total capital | 11,773,000 | 11,663,000 | 11,803,000 | 11,947,000 |
| Risk-weighted assets | 16,281,000 | 31,691,000 | 48,135,000 | 57,290,000 |