Five Star Bancorp (FSBC)

Five Star Bancorp Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	206.95	162.71	111.8	78.89	71.41
Interest Income on Investments	-	11.67	6.12	2.69	2.99
Total Interest Income	206.95	174.38	117.92	81.58	74.39
Interest Paid on Deposits	87.24	57.86	10.92	2.2	7.41
Interest Paid on Borrowings	-	5.64	3.93	1.77	1.77
Total Interest Expense	87.24	63.5	14.85	3.97	9.18
Net Interest Income	119.71	110.88	103.07	77.61	65.21
Net Interest Income Growth (YoY)	7.96%	7.58%	32.80%	19.02%	22.94%
Gain (Loss) on Sale of Investments	-	-0.17	0.01	0.72	1.44
Other Non-Interest Income	4.46	5.15	3.75	2.05	3.35
Total Non-Interest Income	6.45	7.51	7.16	7.28	9.3
Non-Interest Income Growth (YoY)	-14.09%	4.95%	-1.69%	-21.74%	72.48%
Revenues Before Loan Losses	126.16	118.39	110.23	84.89	74.51
Provision for Loan Losses	6.95	4	6.7	1.7	9
Revenue	119.21	114.39	103.53	83.19	65.51
Revenue Growth (YoY)	4.22%	10.49%	24.44%	26.99%	23.76%
Salaries and Employee Benefits	31.71	26.14	21.47	18.39	15.52
Occupancy Expenses	2.55	2.19	2.03	1.8	1.49
Federal Deposit Insurance	1.64	1.56	0.85	0.7	1.14
Selling, General & Administrative	10.58	9.98	8.6	9.17	5.84
Other Non-Interest Expense	8.03	7.91	7.72	5.99	4.28
Total Non-Interest Expense	54.49	47.78	40.67	36.04	28.26
EBT Excluding Unusual Items	64.72	66.62	62.86	47.15	37.26
Pretax Income	64.72	66.62	62.86	47.15	37.26
Income Tax Expense	19.05	18.88	18.06	4.71	1.33
Net Income	45.67	47.73	44.8	42.44	35.93
Net Income to Common	45.67	47.73	44.8	42.44	35.93
Net Income Growth	-4.32%	6.55%	5.56%	18.13%	22.62%
Basic Shares Outstanding	20	17	17	15	10
Diluted Shares Outstanding	20	17	17	15	10
Shares Change (YoY)	17.56%	0.13%	14.47%	49.01%	16.91%
EPS (Basic)	2.27	2.78	2.62	2.83	3.57
EPS (Diluted)	2.26	2.78	2.61	2.83	3.57
EPS Growth	-18.71%	6.51%	-7.77%	-20.73%	5.00%
Dividend Per Share	0.800	0.800	0.600	0.450	2.630
Dividend Growth	0%	33.33%	33.33%	-82.89%	-13.77%
Effective Tax Rate	29.43%	28.34%	28.73%	9.98%	3.56%

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