Five Star Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest Income on Loans	186.24	162.71	111.8	78.89	71.41	58.35
Interest Income on Investments	9.14	11.67	6.12	2.69	2.99	6.33
Total Interest Income	195.39	174.38	117.92	81.58	74.39	64.68
Interest Paid on Deposits	78.64	57.86	10.92	2.2	7.41	10.03
Interest Paid on Borrowings	3.85	5.64	3.93	1.77	1.77	1.6
Total Interest Expense	82.49	63.5	14.85	3.97	9.18	11.64
Net Interest Income	112.9	110.88	103.07	77.61	65.21	53.04
Net Interest Income Growth (YoY)	-0.39%	7.58%	32.80%	19.02%	22.94%	-
Gain (Loss) on Sale of Investments	-0.17	-0.17	0.01	0.72	1.44	-0.07
Other Non-Interest Income	4.74	5.15	3.75	2.05	3.35	1.19
Total Non-Interest Income	6.72	7.51	7.16	7.28	9.3	5.39
Non-Interest Income Growth (YoY)	-6.31%	4.95%	-1.69%	-21.74%	72.48%	-
Revenues Before Loan Losses	119.62	118.39	110.23	84.89	74.51	58.44
Provision for Loan Losses	6.45	4	6.7	1.7	9	5.5
Revenue	113.17	114.39	103.53	83.19	65.51	52.94
Revenue Growth (YoY)	-2.49%	10.49%	24.44%	26.99%	23.76%	-
Salaries and Employee Benefits	29.65	26.14	21.47	18.39	15.52	11.99
Occupancy Expenses	2.45	2.19	2.03	1.8	1.49	0.65
Federal Deposit Insurance	1.57	1.56	0.85	0.7	1.14	0.37
Selling, General & Administrative	11.07	9.98	8.6	9.17	5.84	5.7
Other Non-Interest Expense	7.92	7.91	7.72	5.99	4.28	3.86
Total Non-Interest Expense	52.67	47.78	40.67	36.04	28.26	22.58
EBT Excluding Unusual Items	60.51	66.62	62.86	47.15	37.26	30.36
Pretax Income	60.51	66.62	62.86	47.15	37.26	30.36
Income Tax Expense	17.35	18.88	18.06	4.71	1.33	1.06
Net Income	43.15	47.73	44.8	42.44	35.93	29.3
Net Income to Common	43.15	47.73	44.8	42.44	35.93	29.3
Net Income Growth	-14.07%	6.55%	5.56%	18.13%	22.62%	-
Basic Shares Outstanding	19	17	17	15	10	9
Diluted Shares Outstanding	19	17	17	15	10	9
Shares Change (YoY)	11.66%	0.13%	14.47%	49.01%	16.91%	-
EPS (Basic)	2.25	2.78	2.62	2.83	3.57	3.40
EPS (Diluted)	2.25	2.78	2.61	2.83	3.57	3.40
EPS Growth	-22.81%	6.51%	-7.77%	-20.73%	5.00%	-
Dividend Per Share	0.800	0.800	0.600	0.450	2.630	3.050
Dividend Growth	6.67%	33.33%	33.33%	-82.89%	-13.77%	-
Effective Tax Rate	28.68%	28.34%	28.73%	9.98%	3.56%	3.49%

Source: S&P Capital IQ. Banks template. Financial Sources.