← FIVE STAR BANCORP
| Annual Trend | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Net income | $35.9m |
$42.4m
+18.13%
|
$44.8m
+5.56%
|
$47.7m
+6.55%
|
$45.7m
-4.32%
|
$61.6m
+34.89%
|
$72.0m
+16.88%
|
|
| Net loss (gain) on sale of securities available-for-sale | — | ($724k) | ($5k) | $167k | $0 | $0 | — | |
| Depreciation and amortization | $461k | $607k | $649k | $1.6m | $1.9m | $2.2m | $2.5m | |
| Amortization of deferred loan fees and costs | — | — | $534k | $117k | ($337k) | $170k | — | |
| Amortization of premiums and discounts on securities | $1.1m | $1.6m | $1.3m | $1.2m | $943k | $800k | — | |
| Amortization of subordinated note issuance costs | $67k | $66k | $122k | $144k | $146k | $146k | — | |
| Amortization of low income housing tax credits | — | — | $0 | $291k | $1.1m | $1.8m | — | |
| Depreciation Amortization Depletion | — | — | $1.6m | $1.6m | $1.9m | $2.2m | $2.5m | |
| Deferred tax provision | — | ($4.0m) | ($1.9m) | ($897k) | ($243k) | ($578k) | — | |
| Deferred Income Tax | — | — | ($1.9m) | ($897k) | ($243k) | ($578k) | ($1.3m) | |
| Stock compensation expense | $316k | $594k | $1.1m | $962k | $1.2m | $1.5m | — | |
| Earnings on equity investments | — | — | $0 | ($1.7m) | ($545k) | ($821k) | — | |
| Capital call for equity investments | — | — | $0 | ($1.4m) | ($2.9m) | ($2.1m) | — | |
| Proceeds received from equity investments | — | — | — | $1.9m | $1.1m | $283k | — | |
| Change In Working Capital | — | — | $1.3m | ($2.7m) | ($992k) | $1.6m | $3.8m | |
| Change In Receivables | — | — | ($5.1m) | ($3.7m) | $2.5m | ($3.4m) | ($1.8m) | |
| Changes In Account Receivables | — | — | ($5.1m) | ($3.7m) | $2.5m | ($3.4m) | ($1.8m) | |
| Interest receivable and other assets | ($3.5m) | ($3.0m) | ($5.1m) | ($3.4m) | $2.5m | ($3.4m) | — | |
| Interest payable and other liabilities | $1.7m | ($230k) | $7.4m | $1.9m | ($2.6m) | $6.1m | — | |
| Change In Other Current Liabilities | — | — | ($978k) | ($900k) | ($916k) | ($1.1m) | ($1.3m) | |
| Net cash provided by operating activities | $51.5m |
$28.7m
-44.33%
|
$46.0m
+60.43%
|
$38.9m
-15.36%
|
$51.8m
+33.08%
|
$72.6m
+40.22%
|
$82.0m
+12.87%
|
|
| Purchase of premises and equipment, net | ($833k) | ($717k) | ($481k) | ($653k) | ($628k) | ($1.2m) | — | |
| Net Other Investing Changes | — | — | ($7.3m) | ($8.5m) | ($11.6m) | ($9.3m) | ($5.4m) | |
| Net cash used in investing activities | ($372.6m) | ($455.0m) | ($836.9m) | ($279.3m) | ($446.7m) | ($544.1m) | ($766.2m) | |
| (Payments) advances on other borrowings | — | — | $100.0m | $70.0m | ($170.0m) | $0 | — | |
| Issuance Of Debt | — | — | $175.0m | $70.0m | $0 | $0 | $0 | |
| Long Term Debt Issuance | — | — | $175.0m | $70.0m | $0 | $0 | $0 | |
| Long Term Debt Payments | — | $0 | ($28.8m) | $0 | ($170.0m) | — | $0 | |
| Net Issuance Payments Of Debt | — | — | $146.2m | $70.0m | ($170.0m) | $0 | $0 | |
| Net Long Term Debt Issuance | — | — | $146.2m | $70.0m | ($170.0m) | $0 | $0 | |
| Repayment Of Debt | — | $0 | ($28.8m) | $0 | ($170.0m) | — | $0 | |
| Common Stock Dividend Paid | — | — | ($15.3m) | ($12.9m) | ($16.2m) | ($17.1m) | ($19.2m) | |
| Common Stock Issuance | — | — | $0 | $0 | $80.9m | $0 | $0 | |
| Issuance Of Capital Stock | — | — | $0 | $0 | $80.9m | $0 | $0 | |
| Cash dividends paid | ($26.4m) | ($51.9m) | ($15.3m) | ($12.9m) | ($16.2m) | ($17.1m) | ($19.2m) | |
| Net cash provided by financing activities | $434.3m |
$561.2m
+29.22%
|
$625.6m
+11.48%
|
$301.9m
-51.74%
|
$425.7m
+40.99%
|
$626.0m
+47.04%
|
$885.5m
+41.46%
|
|
| Cash and cash equivalents at beginning of period | $177.4m | $290.5m | $260.0m | $321.6m | $352.3m | $506.9m | — | |
| Beginning Cash Position | — | — | $425.3m | $260.0m | $321.6m | $352.3m | $483.8m | |
| Additional Supplementary Disclosures | ||||||||
| Additional Supplementary Disclosures | ||||||||
| Provision for credit losses | $9.0m | $1.7m | $6.7m | $4.0m | $7.0m | $9.7m | — | |
| Earnings on BOLI | ($220k) | ($237k) | ($412k) | ($510k) | ($644k) | ($824k) | — | |
| Purchase of transferable tax credits | — | — | — | $0 | $0 | ($6.6m) | — | |
| Loans originated for sale | ($98.4m) | ($48.2m) | ($60.2m) | ($47.9m) | ($21.7m) | ($1.4m) | — | |
| Gain on sale of loans | ($4.1m) | ($4.1m) | ($2.9m) | ($2.0m) | ($1.3m) | ($244k) | — | |
| Gross proceeds from sale of loans | $108.1m | $43.0m | $53.7m | $38.4m | $19.7m | $3.5m | — | |
| Operating lease liability | — | $0 | ($978k) | ($900k) | ($916k) | ($1.1m) | — | |
| Proceeds from sale of securities available-for-sale | — | $47.1m | $1.6m | $737k | $0 | $0 | — | |
| Maturities, prepayments, and calls of securities available-for-sale | $16.1m | $18.7m | $15.5m | $10.1m | $8.4m | $9.3m | — | |
| Purchases of securities available-for-sale | ($97.6m) | ($99.7m) | ($2.6m) | ($1.2m) | $0 | ($1.0m) | — | |
| Capital call for low income housing tax credits | — | — | — | ($2.3m) | ($10.1m) | ($5.6m) | — | |
| Net change in time deposits in banks | — | $9.2m | $4.6m | $4.0m | $1.7m | $4.0m | — | |
| Loan originations, net of repayments | ($330.8m) | ($426.9m) | ($848.3m) | ($284.3m) | ($442.8m) | ($544.2m) | — | |
| Purchase of FHLB stock | ($1.2m) | ($491k) | ($4.2m) | ($4.1m) | $0 | $0 | — | |
| Purchase of BOLI | ($1.0m) | ($2.3m) | ($3.1m) | ($2.0m) | ($1.6m) | ($3.7m) | — | |
| Other real estate sale proceeds | — | — | — | $0 | $0 | $87k | — | |
| Net change in deposits | $472.3m | $501.9m | $496.1m | $244.9m | $531.1m | $643.1m | — | |
| Proceeds from issuance of stock, net of issuance costs | $13.4m | $111.2m | $0 | $0 | $80.9m | $0 | — | |
| Net change in cash and cash equivalents | — | $134.8m | ($165.3m) | $61.6m | $30.8m | $154.5m | — | |
| Interest paid | $9.7m | $4.5m | $1.3m | $61.9m | $87.1m | $97.6m | $101.9m | |
| US Federal | — | — | — | — | — | $11.6m | — | |
| US Federal - IRC 45X Tax Credits | — | — | — | — | — | $6.6m | — | |
| US State and Local | ||||||||
| Total | $1.7m | $10.4m | $5.2m | $20.0m | $16.9m | $25.0m | — | |
| Transfer from loans held for sale to loans held for investment | — | — | $10.7m | $9.4m | $11.5m | $1.3m | — | |
| Unrealized gain (loss) on securities | — | ($2.2m) | ($18.3m) | $2.2m | ($858k) | $5.1m | — | |
| Operating lease liabilities exchanged for ROUA | — | $0 | $5.2m | $2.3m | $2.2m | $6.1m | — | |
| ROUA acquired | — | — | $0 | ($2.2m) | ($2.2m) | ($6.1m) | — | |
| Increase (decrease) in commitment for low income housing tax credits | — | — | — | $13.6m | ($531k) | $10.2m | — | |
| Cumulative effect of adoption of ASC 326 on retained earnings, net of tax | — | — | $46.7m | $77.0m | $106.5m | $151.0m | — | |
| Cash Flow From Continuing Financing Activities | — | — | $625.6m | $301.9m | $425.7m | $626.0m | $885.5m | |
| Cash Flow From Continuing Investing Activities | — | — | ($836.9m) | ($279.3m) | ($446.7m) | ($544.1m) | ($766.2m) | |
| Change In Account Payable | — | — | $7.4m | $1.9m | ($2.6m) | $6.1m | $6.9m | |
| Change In Cash Supplemental As Reported | — | — | ($165.3m) | $61.6m | $30.8m | $154.5m | — | |
| Change In Payable | — | — | $7.4m | $1.9m | ($2.6m) | $6.1m | $6.9m | |
| Changes In Cash | — | — | ($165.3m) | $61.6m | $30.8m | $154.5m | $201.3m | |
| End Cash Position | — | — | $260.0m | $321.6m | $352.3m | $506.9m | $685.1m | |
| Financing Cash Flow | — | — | $625.6m |
$301.9m
-51.74%
|
$425.7m
+40.99%
|
$626.0m
+47.04%
|
$885.5m
+41.46%
|
|
| Free Cash Flow | — | — | $45.5m | $38.3m | $51.2m | $71.4m | $80.5m | |
| Gain Loss On Investment Securities | — | — | ($5k) | $167k | $0 | $0 | $0 | |
| Gain Loss On Sale Of Business | — | — | $0 | ($1.7m) | ($545k) | ($821k) | ($128k) | |
| Income Tax Paid Supplemental Data | — | — | $5.2m | $20.0m | $16.9m | $25.0m | $18.6m | |
| Investing Cash Flow | — | — | ($836.9m) | ($279.3m) | ($446.7m) | ($544.1m) | ($766.2m) | |
| Net Investment Properties Purchase And Sale | — | — | — | $0 | $0 | $87k | $0 | |
| Net Investment Purchase And Sale | — | — | $14.5m | $10.2m | $6.6m | $6.4m | $3.8m | |
| Net PPE Purchase And Sale | — | — | ($481k) | ($653k) | ($628k) | ($1.2m) | ($1.5m) | |
| Operating Gains Losses | — | — | ($2.6m) | ($3.5m) | ($1.8m) | ($1.1m) | ($128k) | |
| Other Non Cash Items | — | — | ($6.8m) | ($9.6m) | ($1.4m) | ($3.3m) | — | |
| Purchase Of Investment | — | — | ($2.6m) | ($2.6m) | ($2.9m) | ($3.2m) | ($5.3m) | |
| Purchase Of PPE | — | — | ($481k) | ($653k) | ($628k) | ($1.2m) | ($1.5m) | |
| Sale Of Investment | — | — | $17.1m | $12.7m | $9.5m | $9.6m | $9.1m | |
| Sale Of Investment Properties | — | — | — | $0 | $0 | $87k | $9.1m | |
| Stock Based Compensation | — | — | $1.1m | $962k | $1.2m | $1.5m | $1.7m |