Five Star Bancorp (FRA:4F6)

Five Star Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	202.49	193.34	162.71	111.8	78.89	71.41
Interest Income on Investments	14.01	13.61	11.67	6.12	2.69	2.99
Total Interest Income	216.5	206.95	174.38	117.92	81.58	74.39
Interest Paid on Deposits	84.84	82.4	57.86	10.92	2.2	7.41
Interest Paid on Borrowings	4.72	4.84	5.64	3.93	1.77	1.77
Total Interest Expense	89.55	87.24	63.5	14.85	3.97	9.18
Net Interest Income	126.94	119.71	110.88	103.07	77.61	65.21
Net Interest Income Growth (YoY)	17.03%	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	4.2	4.46	5.15	3.75	2.05	3.35
Total Non-Interest Income	5.98	6.45	7.51	7.16	7.28	9.3
Non-Interest Income Growth (YoY)	-25.01%	-14.09%	4.95%	-1.69%	-21.74%	72.48%
Revenues Before Loan Losses	132.92	126.16	118.39	110.23	84.89	74.51
Provision for Loan Losses	7.95	6.95	4	6.7	1.7	9
Revenue	124.97	119.21	114.39	103.53	83.19	65.51
Revenue Growth (YoY)	11.14%	4.22%	10.49%	24.45%	26.99%	23.76%
Salaries and Employee Benefits	32.15	30.55	26.14	21.47	18.39	15.52
Occupancy Expenses	2.53	2.52	2.19	2.03	1.8	1.49
Federal Deposit Insurance	1.69	1.64	1.56	0.85	0.7	1.14
Selling, General & Administrative	12.29	11.77	9.98	8.6	9.17	5.84
Other Non-Interest Expense	8.16	8.03	7.91	7.72	5.99	4.28
Total Non-Interest Expense	56.82	54.49	47.78	40.67	36.04	28.26
EBT Excluding Unusual Items	68.15	64.72	66.62	62.86	47.15	37.26
Pretax Income	68.15	64.72	66.62	62.86	47.15	37.26
Income Tax Expense	20	19.05	18.88	18.06	4.71	1.33
Net Income	48.15	45.67	47.73	44.8	42.44	35.93
Net Income to Common	48.15	45.67	47.73	44.8	42.44	35.93
Net Income Growth	6.52%	-4.32%	6.55%	5.56%	18.13%	22.62%
Basic Shares Outstanding	21	20	17	17	15	10
Diluted Shares Outstanding	21	20	17	17	15	10
Shares Change (YoY)	23.21%	17.56%	0.13%	14.47%	49.01%	16.91%
EPS (Basic)	2.28	2.27	2.78	2.62	2.83	3.57
EPS (Diluted)	2.27	2.26	2.78	2.61	2.83	3.57
EPS Growth	-13.67%	-18.70%	6.51%	-7.77%	-20.73%	5.00%
Dividend Per Share	0.800	0.800	0.800	0.600	0.450	2.630
Dividend Growth	-	-	33.33%	33.33%	-82.89%	-13.77%
Effective Tax Rate	29.35%	29.43%	28.34%	28.73%	9.98%	3.56%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.