Five Star Bank in Rocklin, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Five Star Bank - Overview

  • General
  • FDIC Certificate #: 35361
    Status: Active
    Federal Reserve ID: 2867337
    Bank Holding Company (Regulatory Top Holder): Five Star Bancorp (RSSDID: 3162927, Location: Rocklin, CA)
    Date Established: December 20, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 78823
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 20, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 6810 Five Star Boulevard, Rocklin, CA 95677
    County: Placer
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $439.6 mil
    Equity capital: $48.9 mil
    Deposits held in domestic offices: $389.1 mil
    Return on assets (ROA): 1.87% ($8.2 mil)
    Quarterly return on assets: 2.20% ($9.7 mil)
    Return on Equity (ROE): 17.31% ($8.5 mil)
    Quarterly return on equity: 19.92% ($9.8 mil)
    Net income: $8.1 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 1.93% ($8,484.0 mil)
    Quarterly Pretax return on assets: 2.27% ($9,978.6 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $439,584Total assets
  • $57,349Cash and due from depository institutions
  • $38,050Interest-bearing balances
  • $36,385Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $332,432Net loans & leases
  • $6,579Loan loss allowance
  • $0Trading account assets
  • $1,243Bank premises and fixed assets
  • $4,856Other real estate owned
  • $54Goodwill and other intangibles
  • $439,584Life insurance assets
  • $7,265All other assets
  • $390,701Total liabilities and capital
  • $389,063Total liabilities
  • $305,709Total deposits
  • $389,063Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,638Subordinated debt
  • $48,883All other liabilities
  • $48,883Total equity capital
  • $48,883Total bank equity capital
  • $0Perpetual preferred stock
  • $43,849Common stock
  • $0Surplus
  • $5,034Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,911Income earned, not collected on loans
  • $0Earning assets
  • $1,208Long-term assets (5+ years)
  • $406,867Average Assets, year-to-date
  • $55,635Average Assets, quarterly
  • $433,808Volatile liabilities
  • $441,393Insider loans
  • $388,026FHLB advances
  • $444,000Loans and leases held for sale
  • $1,792Unused loan commitments
  • $1,792Tier 1 (core) risk-based capital
  • $48,691Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $47,848Restructured Loans and leases
  • $5,043Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,827Total interest income
  • $3,248Total interest expense
  • $17,579Net interest income
  • $1,270Provision for loan and lease losses
  • $655Total noninterest income
  • $0Fiduciary activities
  • $60Service charges on deposit accounts
  • $0Trading account gains & fees
  • $595Additional noninterest income
  • $8,779Total noninterest expense
  • $4,354Salaries and employee benefits
  • $1,055Premises and equipment expense
  • $3,370Additional noninterest expense
  • $8,185Pre-tax net operating income
  • $197Securities gains (losses)
  • $259Applicable income taxes
  • $8,123Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,123Net income attributable to bank
  • $0Net charge-offs
  • $8,123Cash dividends
  • $1,247Sale, conversion, retirement of capital stock, net
  • $3,773Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.22%Noninterest expense to earning assets
  • 1.83%Net operating income to assets
  • 1.87%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 17.31%Return on equity (ROE)
  • 9.27%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 101.84%Credit loss provision to net charge-offs
  • 7.58%Efficiency ratio
  • 48,146Assets per employee
  • 9.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.45%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 55.23%Noncurrent assets plus other real estate owned to assets
  • 3.81%Noncurrent loans to loans
  • 3.51%Net loans and leases to deposits
  • 85.44%Net loans and leases to core deposits
  • 115.04%Equity capital to assets
  • 11.12%Core capital (leverage) ratio
  • 10.97%Tier 1 risk-based capital ratio
  • 12.55%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $433,808Average earning assets
  • $46,937Average equity
  • $394,847Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078823Five Star Bank6810 Five Star Boulevard, Rocklin, CA 95677December 20, 1999Full Service Brick and Mortar
    1418994Five Star Bank Natomas Branch2400 Del Paso Road, Suite 100, Sacramento, CA 95834January 05, 2004Full Service Brick and Mortar
    2450815Rancho Cordova Branch3100 Zinfandel Drive, Rancho Cordova, CA 95670April 24, 2006Full Service Brick and Mortar
    3479346Redding Branch358 Hartnell Ave, Suite B, Redding, CA 96002Febuary 26, 2008Full Service Brick and Mortar
    4522153Elk Grove Branch9355 East Stockton Blvd., Elk Grove, CA 95624August 15, 2011Full Service Brick and Mortar

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