Five Star Bancorp (NASDAQ:FSBC) Q2 2023 Earnings Conference Call July 25, 2023 1:00 PM ET Company Participants James Beckwith - President, CEO & Director Heather Luck - SVP & CFO Conference Call Participants Robert Terrell - Stephens Inc. Gary Tenner - D.A. Davidson & Co. Wood Lay - KBW Operator Good day, everyone. Welcome to the Five Star Bancorp Second Quarter Earnings Webcast. [Operator Instructions]. Before we get started, let me remind you that today's meeting will include some forward-looking statemen ...

净利润及资产情况 - 2023年第一季度净利润为1,320万美元，较2022年同期的990万美元有所增长[1] - 公司总资产在2023年3月31日达到了3,397,308千美元，较2022年12月31日的3,227,159千美元有所增长[2] - 存款总额从2022年底的28亿美元增加至2023年3月底的29亿美元，增长了1.384亿美元[3] - 贷款总额从2022年底的28亿美元增加至2023年3月底的29亿美元，增长了7850万美元[4] 资本和风险管理 - 公司的资本比率均高于监管要求的阈值，总风险资本比率为12.50%[5] - 公司致力于保持贷款组合的高资产质量[6] - 公司定期评估和更新贷款组合的风险分类[7] - 公司使用独立咨询公司评估贷款的承销和风险评估流程[8] 利息收入和费用 - 净利息收入在2023年3月31日的三个月内达到了29,148千美元，较2022年3月31日的21,883千美元有所增长[9] - 2023年3月31日的净利息净差为2.97%，较2022年3月31日的3.48%有所下降[10] - 2023年3月31日的净利息收入较2022年3月31日增加了7,265千美元，主要受到利率和资产规模的影响[11] - 2023年3月31日的信贷损失准备金为900千美元，较2022年3月31日的1,000千美元有所下降[12] 非利息收入和支出 - 非利息收入主要包括存款账户服务费、证券出售净收益、贷款出售收益等[13] - 2023年3月31日，非利息收入总额为1371千美元，较2022年3月31日下降了36.65%[14] - 2023年3月31日，非利息支出总额为11118千美元，较2022年3月31日增加了16.11%[15] 存款情况 - 存款是公司主要的资金来源，占总负债的93.11%[16] - 2023年3月底，总存款增加了4.97%，达到29亿美元，其中无息存款减少了1.346亿美元[17] - 公司40个最大存款关系中，每个超过1000万美元，总额为16亿美元，占总存款的54.40%[18]

Five Star Bancorp (NASDAQ:FSBC) Q1 2023 Results Conference Call April 25, 2023 1:00 PM ET Company Participants James Beckwith - President, CEO Heather Luck - SVP, CFO Operator Good day, and welcome to the Five Star Bancorp First Quarter Earnings Webcast. Please note, this is a closed conference call and you are encouraged to listen via the webcast. After today’s presentation, there will be an opportunity for those provided with a dial-in numbers to ask question. [Operator Instructions]. Before we get starte ...

公司业务 - 公司总资产为32亿美元，贷款净额为28亿美元，存款总额为28亿美元[7] - 公司通过七家分行、一个贷款生产办公室、互联网和移动银行应向加利福尼亚北部的小型和中型企业、专业人士和个人提供广泛的银行产品和服务[7] - 公司的主要市场是罗斯维尔/萨克拉门托/兰乔科尔多瓦/埃尔克格罗夫地区，市场份额自2016年以来显著增长[11] - 公司通过银行向加利福尼亚北部地区的小型和中型企业、专业人士和个人提供金融服务，主要贷款产品包括商业地产贷款、商业贷款、商业土地和建筑贷款以及农场贷款[10] - 公司在北加州主要市场拥有八家银行中心，竞争对手包括商业银行、信用合作社、储蓄和贷款协会、抵押银行和在线抵押贷款机构[32] 风险管理 - 公司认为有效的风险管理和控制流程对其长期企业成功至关重要，包括涉及流动性、利率、信用、运营、合规、战略、财务和声誉风险[41] - 公司的董事会及其各委员会负责监督风险管理流程，包括季度企业风险管理评估和年度评估[41] - 公司的高级管理层负责实施风险管理流程，包括评估和管理战略、运营、监管、投资和执行风险[43] 法律法规 - 公司受到美国国会和州立法机构以及联邦和州监管机构的监管[58] - 公司是根据1956年修正的银行控股公司法注册的银行控股公司[60] - 银行受到加州法律监管[87] - 加州法律限制了银行的贷款和内部交易[90] - 联邦储备法规限制了银行向内部人员提供信贷[91] - 银行与关联方进行的交易受到联邦储备法规的限制[92] 资本管理 - 银行资本分类包括充足资本和不足资本等级[94] - 银行资本不足可能导致限制资本分配和支付股息[95] - 银行支付股息受到法律和监管限制[97] 其他 - 公司是一家“新兴增长公司”，享有减少报告要求和其他重要要求的优惠，包括只需提供两年审计财务报表和讨论两年的经营结果[37] - 公司致力于环境、社会和治理战略，包括减少气候变化影响、支持社区社会因素和董事会治理[49] - 公司重视多样性、公平和包容，通过招聘实践和员工培训展示对多样性、公平和包容的承诺[54]

Five Star Bancorp (NASDAQ:FSBC) Q4 2022 Earnings Conference Call January 31, 2023 1:00 PM ET Company Participants James Beckwith - President and CEO Heather Luck - Senior Vice President and CFO Conference Call Participants Andrew Terrell - Stephens Clark Wright - D.A. Davidson Woody Lay - KBW Operator Welcome to the Five Star Bancorp Fourth Quarter and Year End Earnings Webcast. Please note, this is a closed conference call and you are encouraged to listen via the webcast. After today’s presentation, there ...

Fourth Quarter 2022 Investor Presentation | 11 Consistent Loan Growth Michael Rizzo Senior Vice President and Chief Banking Officer Five Star since 2005 Mike Lee Senior Vice President and Chief Regulatory Officer Five Star since 2005 Brett Wait Senior Vice President and Chief Information Officer Five Star since 2011 Heather Luck Senior Vice President and Chief Financial Officer Five Star since 2018 Shelley Wetton Senior Vice President and Chief Marketing Officer Five Star since 2015 Financial Highlights FIV ...

Five Star Bancorp (NASDAQ:FSBC) Q3 2022 Earnings Conference Call October 25, 2022 1:00 PM ET Company Participants James Beckwith - President and CEO Heather Luck - Senior Vice President and CFO Conference Call Participants Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Woody Lay - KBW Operator Good day, everyone. And welcome to the Five Star Bancorp Third Quarter Earnings Webcast. Please note, this is a closed conference call and you are encouraged to listen via the webcast. After today’s presentatio ...

Five Star Bancorp (NASDAQ:FSBC) Q2 2022 Earnings Conference Call July 26, 2022 1:00 PM ET Company Participants James Beckwith - President & CEO Heather Luck - SVP & CFO Conference Call Participants Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Stuart Lotz - KBW Operator Welcome to the Five Star Bancorp Second Quarter Earnings Webcast. Please note, this is a closed conference call and you are encouraged to listen via the webcast. After today's presentation, there will be an opportunity for those prov ...

Five Star Bancorp (NASDAQ:FSBC) Q1 2022 Earnings Conference Call April 26, 2022 1:00 PM ET Company Participants James Beckwith - President and CEO Heather Luck - SVP and CFO Conference Call Participants Stuart Lotz - KBW Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Operator Welcome to the Five Star Bancorp First Quarter Earnings Webcast. Please note, this is a close conference call and you are encouraged to listen via the webcast. After today's presentation, there will be an opportunity for those p ...

Five Star Bancorp (NASDAQ:FSBC) Q4 2021 Earnings Conference Call February 1, 2022 1:00 PM ET Company Participants James Beckwith - President and Chief Executive Officer Heather Luck - Senior Vice President and Chief Financial Officer Conference Call Participants Stuart Lotz - KBW Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Disclaimer*: This transcript is designed to be used alongside the freely available audio recording on this page. Timestamps within the transcript are designed to help you naviga ...