FIVE STAR BANCORP (FSBC)
FIVE STAR BANCORP (FSBC)
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net loss (gain) on sale of securities available-for-sale | NaN | 0 | NaN | NaN |
| Net income | 18,621 | 17,643 | 16,344 | 27,619 |
| Earnings on equity investments | NaN | 1,666 | -1,244 | 399 |
| Provision for credit losses | 2,675 | 2,800 | 2,500 | 4,400 |
| Depreciation and amortization | 561 | 2,297 | -956 | 906 |
| Amortization of deferred loan fees and costs | -212 | 200 | -39 | -331 |
| Amortization of premiums and discounts on securities | -185 | -191 | -184 | -425 |
| Amortization of subordinated note issuance costs | 36 | 37 | 36 | 73 |
| Amortization of low income housing tax credits | 602 | 530 | 558 | 681 |
| Deferred tax provision | NaN | -1,300 | 10 | 712 |
| Stock compensation expense | 382 | 419 | 416 | 624 |
| Earnings on boli | 225 | 234 | 209 | 381 |
| Purchase of transferable tax credits | 2,528 | 6,572 | NaN | NaN |
| Loans originated for sale | 0 | 0 | 0 | 1,384 |
| Gain on sale of loans | 0 | 0 | 0 | 244 |
| Gross proceeds from sale of loans | 0 | 0 | 0 | 3,531 |
| Losses (earnings) on equity investments | -812 | NaN | NaN | NaN |
| Interest receivable and other assets | 754 | -2,294 | 4,717 | 955 |
| Interest payable and other liabilities | -1,325 | 6,040 | 2,193 | -2,131 |
| Operating lease liability | -325 | -1,722 | 1,151 | -546 |
| Net cash provided by operating activities | 18,929 | 20,557 | 18,793 | 33,262 |
| Proceeds from sale of securities available-for-sale | NaN | 0 | NaN | NaN |
| Maturities, prepayments, and calls of securities available-for-sale | 1,682 | 1,747 | 3,439 | 4,135 |
| Purchases of securities available-for-sale | NaN | 0 | 1,030 | NaN |
| Other real estate sale proceeds | NaN | 0 | 0 | 87 |
| Capital call for equity investments | 1,910 | 500 | 353 | 1,285 |
| Proceeds received from equity investments | 60 | 0 | 283 | 0 |
| Capital call for low income housing tax credits | 406 | -10,974 | 0 | 5,381 |
| Net change in time deposits in banks | 0 | 0 | 749 | 3,272 |
| Loan originations, net of repayments | 139,245 | 187,922 | 129,571 | 226,659 |
| Purchase of premises and equipment, net | 168 | 638 | 215 | 344 |
| Purchase of fhlb stock | NaN | 0 | NaN | NaN |
| Purchase of boli | 4,359 | 1 | 0 | 3,710 |
| Net cash used in investing activities | -144,346 | -187,526 | -126,698 | -229,885 |
| Advances (payments) on other borrowings | NaN | NaN | 0 | 0 |
| Net change in deposits | 268,269 | 97,646 | 208,816 | 336,628 |
| Proceeds from issuance of stock, net of issuance costs | NaN | 0 | 0 | 0 |
| (payments) advances on other borrowings | NaN | 0 | NaN | NaN |
| Cash dividends paid | 5,344 | 4,273 | 4,274 | 8,538 |
| Net cash provided by financing activities | 262,925 | 93,373 | 204,542 | 328,090 |
| Net change in cash and cash equivalents | 137,508 | -73,596 | 96,637 | 131,467 |
| Cash and cash equivalents at beginning of period | 506,851 | 580,447 | 352,343 | NaN |
| Cash and cash equivalents at end of period | 644,359 | 506,851 | 580,447 | NaN |