Five Star Bank (CA)

6810 Five Star Boulevard
Rocklin, CA 95677
916.626.5000
www.fivestarbank.com

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Five Star Bank (CA) is headquartered in Rocklin and is the 79^th largest bank in the state of California. It is also the 1,226^th largest bank in the nation. It was established in 1999 and as of December of 2012, it had grown to 49 employees at 5 locations. Five Star Bank (CA) has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Five Star Bank (CA) Checking Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Interest Checking

Five Star Bank (CA) Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	Capital Green Savings
0.25%	-	-	Savings

Five Star Bank (CA) Money Market Rates

	Apy	Min	Max	Product
	0.25%	$2,500	-	Money Market

Five Star Bank (CA) CD Rates

Apy	Min	Max	Product
0.85%	$100k	-	60 Month Jumbo CD
0.80%	$1k	-	60 Month CD
0.70%	$100k	-	48 Month Jumbo CD
0.60%	$1k	-	48 Month CD
0.55%	$100k	-	36 Month Jumbo CD
0.45%	$1k	-	36 Month CD
0.40%	$100k	-	24 Month Jumbo CD
0.30%	$1k	-	24 Month CD
0.25%	$5k	-	12 Month Liquid CD
0.25%	$100k	-	12 Month Jumbo CD
0.20%	$1k	-	12 Month CD
0.20%	$100k	-	6 Month Jumbo CD
0.15%	$1k	-	6 Month CD
0.15%	$5k	-	6 Month Liquid CD
0.15%	$100k	-	3 Month Jumbo CD
0.10%	$1k	-	3 Month CD
0.10%	$100k	-	1 Month Jumbo CD

Five Star Bank (CA) IRA Rates

Apy	Min	Max	Product
0.50%	-	-	Over 24 Months
0.30%	-	-	12-24 Month IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

Five Star Bank
FDIC Certificate #	35361
BankRate Report	View
Year Established	1999
Employees	49
Primary Regulator	FDIC
Assets and Liabilities
Assets	$546.75 million
Loans	$374.37 million
Deposits	$494.14 million
Equity Capital	$50.73 million
Loan Loss Allowance	$6.18 million
Unbacked Noncurrent Loans	$3.10 million
Real Estate Owned	$5.38 million
Historic Data - December 2011
Assets	$439.58 million
Equity Capital	$48.88 million
Loan Loss Allowance	$6.58 million
Unbacked Noncurrent Loans	$11.91 million
Real Estate Owned	$4.86 million
Profit Margin - Quarterly
Net Interest Margin	4.21%
Return on Assets	2.35%
Return on Equity	23.35%
Interest Income	$21.95 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Five Star Bank (CA) had $8.48 million in non-current loans and owned real-estate with $56.9 million in equity and loan loss allowances on hand to cover it. This gives Five Star Bank (CA) a Texas Ratio of 14.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Five Star Bank (CA) decreased significantly from 30.23% as of December 31, 2011 to 14.90% as of December 31, 2012, resulting in a positive change of 50.72%.This indicates that the balance sheet and financial strength for Five Star Bank (CA) has improved significantly in recent periods.
Deposit Growth
In the past year, Five Star Bank (CA) has increased its total deposits by $105.08 million, resulting in 27.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Five Star Bank (CA) has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Five Star Bank (CA) has $546.74 million in assets with $56.9 million in equity, resulting in a capitalization level of 10.41%, which is above average.

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