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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	212.14	193.34	162.71	111.8	78.89	71.41
Interest Income on Investments	15.94	13.61	11.67	6.12	2.69	2.99
Total Interest Income	228.08	206.95	174.38	117.92	81.58	74.39
Interest Paid on Deposits	89.02	82.4	57.86	10.92	2.2	7.41
Interest Paid on Borrowings	4.69	4.84	5.64	3.93	1.77	1.77
Total Interest Expense	93.71	87.24	63.5	14.85	3.97	9.18
Net Interest Income	134.37	119.71	110.88	103.07	77.61	65.21
Net Interest Income Growth (YoY)	22.16%	7.96%	7.58%	32.80%	19.02%	22.94%
Gain (Loss) on Sale of Investments	-0.4	-	-0.17	0.01	0.72	1.44
Other Non-Interest Income	5.16	4.46	5.15	3.75	2.05	3.35
Total Non-Interest Income	6.22	6.45	7.51	7.16	7.28	9.3
Non-Interest Income Growth (YoY)	-7.58%	-14.09%	4.95%	-1.69%	-21.74%	72.48%
Revenues Before Loan Losses	140.58	126.16	118.39	110.23	84.89	74.51
Provision for Loan Losses	8.45	6.95	4	6.7	1.7	9
Revenue	132.13	119.21	114.39	103.53	83.19	65.51
Revenue Growth (YoY)	18.01%	4.22%	10.49%	24.45%	26.99%	23.76%
Salaries and Employee Benefits	33.19	30.55	26.14	21.47	18.39	15.52
Occupancy Expenses	2.54	2.52	2.19	2.03	1.8	1.49
Federal Deposit Insurance	1.77	1.64	1.56	0.85	0.7	1.14
Selling, General & Administrative	13.04	11.77	9.98	8.6	9.17	5.84
Other Non-Interest Expense	8.5	8.03	7.91	7.72	5.99	4.28
Total Non-Interest Expense	59.04	54.49	47.78	40.67	36.04	28.26
EBT Excluding Unusual Items	73.1	64.72	66.62	62.86	47.15	37.26
Pretax Income	73.1	64.72	66.62	62.86	47.15	37.26
Income Tax Expense	21.22	19.05	18.88	18.06	4.71	1.33
Net Income	51.88	45.67	47.73	44.8	42.44	35.93
Net Income to Common	51.88	45.67	47.73	44.8	42.44	35.93
Net Income Growth	19.93%	-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)	16.91%	17.56%	0.13%	14.47%	49.01%	16.91%
EPS (Basic)	2.45	2.27	2.78	2.62	2.83	3.57
EPS (Diluted)	2.44	2.26	2.78	2.61	2.83	3.57
EPS Growth	2.40%	-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	29.03%	29.43%	28.34%	28.73%	9.98%	3.56%

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