← FIVE STAR BANCORP

Annual Trend FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Net income $35.9m $42.4m $44.8m $47.7m $45.7m $61.6m
Net Income From Continuing Operations — — $44.8m $47.7m $45.7m $61.6m
Depreciation and amortization $461k $607k $649k $1.6m $1.9m $2.2m
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
Deferred tax provision — ($4.0m) ($1.9m) ($897k) ($243k) ($578k)
Deferred Income Tax — — ($1.9m) ($897k) ($243k) ($578k)
Deferred Tax — — ($1.9m) ($897k) ($243k) ($578k)
Stock compensation expense $316k $594k $1.1m $962k $1.2m $1.5m
Earnings on equity investments — — $0 ($1.7m) ($545k) ($821k)
Operating lease liability — $0 ($978k) ($900k) ($916k) ($1.1m)
Capital call for equity investments — — $0 ($1.4m) ($2.9m) ($2.1m)
Proceeds received from equity investments — — — $1.9m $1.1m $283k
Operating lease liabilities exchanged for ROUA — $0 $5.2m $2.3m $2.2m $6.1m
US State and Local
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
Net loss (gain) on sale of securities available-for-sale — ($724k) ($5k) $167k $0 $0
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
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 premises and equipment, net ($833k) ($717k) ($481k) ($653k) ($628k) ($1.2m)
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
(Payments) advances on other borrowings — — $100.0m $70.0m ($170.0m) $0
US Federal — — — — — $11.6m
US Federal - IRC 45X Tax Credits — — — — — $6.6m
Total $1.7m $10.4m $5.2m $20.0m $16.9m $25.0m
Unrealized gain (loss) on securities — ($2.2m) ($18.3m) $2.2m ($858k) $5.1m
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
Beginning Cash Position — — $425.3m $260.0m $321.6m $352.3m
Cash Flow From Continuing Financing Activities — — $625.6m $301.9m $425.7m $626.0m
Cash Flow From Continuing Investing Activities — — ($836.9m) ($279.3m) ($446.7m) ($544.1m)
Change In Account Payable — — $7.4m $1.9m ($2.6m) $6.1m
Change In Other Current Liabilities — — ($978k) ($900k) ($916k) ($1.1m)
Change In Payable — — $7.4m $1.9m ($2.6m) $6.1m
Change In Payables And Accrued Expense — — $7.4m $1.9m ($2.6m) $6.1m
Change In Receivables — — ($5.1m) ($3.7m) $2.5m ($3.4m)
Change In Working Capital — — $1.3m ($2.7m) ($992k) $1.6m
Changes In Account Receivables — — ($5.1m) ($3.7m) $2.5m ($3.4m)
Changes In Cash — — ($165.3m) $61.6m $30.8m $154.5m
End Cash Position — — $260.0m $321.6m $352.3m $506.9m
Financing Cash Flow — — $625.6m $301.9m $425.7m $626.0m
Free Cash Flow — — $45.5m $38.3m $51.2m $71.4m
Gain Loss On Investment Securities — — ($5k) $167k $0 $0
Gain Loss On Sale Of Business — — $0 ($1.7m) ($545k) ($821k)
Investing Cash Flow — — ($836.9m) ($279.3m) ($446.7m) ($544.1m)
Issuance Of Capital Stock — — $0 $0 $80.9m $0
Net PPE Purchase And Sale — — ($481k) ($653k) ($628k) ($1.2m)
Operating Gains Losses — — ($2.6m) ($3.5m) ($1.8m) ($1.1m)
Other Non Cash Items — — ($6.8m) ($9.6m) ($1.4m) ($3.3m)
Purchase Of PPE — — ($481k) ($653k) ($628k) ($1.2m)
Stock Based Compensation — — $1.1m $962k $1.2m $1.5m
Net cash provided by operating activities $51.5m $28.7m $46.0m $38.9m $51.8m $72.6m
Net Investment Properties Purchase And Sale — — — $0 $0 $87k
Net Investment Purchase And Sale — — $14.5m $10.2m $6.6m $6.4m
Purchase Of Investment — — ($2.6m) ($2.6m) ($2.9m) ($3.2m)
Transfer from loans held for sale to loans held for investment — — $10.7m $9.4m $11.5m $1.3m
Sale Of Investment — — $17.1m $12.7m $9.5m $9.6m
Sale Of Investment Properties — — — $0 $0 $87k
Net Other Investing Changes — — ($7.3m) ($8.5m) ($11.6m) ($9.3m)
Net cash used in investing activities ($372.6m) ($455.0m) ($836.9m) ($279.3m) ($446.7m) ($544.1m)
Issuance Of Debt — — $175.0m $70.0m $0 $0
Long Term Debt Issuance — — $175.0m $70.0m $0 $0
Net Issuance Payments Of Debt — — $146.2m $70.0m ($170.0m) $0
Net Long Term Debt Issuance — — $146.2m $70.0m ($170.0m) $0
Long Term Debt Payments — $0 ($28.8m) $0 ($170.0m) —
Repayment Of Debt — $0 ($28.8m) $0 ($170.0m) —
Common Stock Issuance — — $0 $0 $80.9m $0
Net Common Stock Issuance — — $0 $0 $80.9m $0
Cash dividends paid ($26.4m) ($51.9m) ($15.3m) ($12.9m) ($16.2m) ($17.1m)
Common Stock Dividend Paid — — ($15.3m) ($12.9m) ($16.2m) ($17.1m)
Net cash provided by financing activities $434.3m $561.2m $625.6m $301.9m $425.7m $626.0m
Net change in cash and cash equivalents — $134.8m ($165.3m) $61.6m $30.8m $154.5m
Cash and cash equivalents at beginning of period $177.4m $290.5m $260.0m $321.6m $352.3m $506.9m
Change In Cash Supplemental As Reported — — ($165.3m) $61.6m $30.8m $154.5m
Income Tax Paid Supplemental Data — — $5.2m $20.0m $16.9m $25.0m
Interest paid $9.7m $4.5m $1.3m $61.9m $87.1m $97.6m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.