Five Star Bancorp (FSBC) 2021年年度报告「NASDAQ」.pdf

1、2021 Annual Report |Nasdaq:FSBC CHICO DOWNTOWN SACRAMENTO(LPO)ELK GROVE NATOMAS RANCHO CORDOVA REDDING ROSEVILLE SANTA ROSA(LPO)YUBA CITY*LPO:Loan Production Ofce Every achievement,every action and every good deed in this report are a tribute to our founders,shareholders,employees and clients.5 FIVE

2、 STAR BANCORP-Annual Report 2021 Dear Clients and Shareholders:We are very pleased to share Five Star Bancorps 2021 Annual Report our frst report as a public company!While we all experienced challenges,2021 was also a remarkable year of growth,renewed purpose and commitment to our shareholders,emplo

3、yees,clients and the communities we serve.Every day,we worked as a team toward common goals while individual talents contributed to shared wins.Yet,it is how we succeeded that shaped and defned us.Most banks ofer similar,if not the same,products.However,it has been said it is not what you do,but how

4、 you do it.No other bank has our engaged team,our speed to serve or our certainty of execution.No other bank has our commitment to treating clients with an empathetic spirit,understanding and care.We are proud to have earned the trust of those we serve.Dollars in Millions Financial Highlights 2016-2

5、021 DECEMBER 31,2016 2017 2018 2019 2020 2021 Total Assets$840.4$972.8$1,272.1$1,479.9$1,953.8$2,556.8 Total Loans Held for Investment$641.4$771.6$960.2$1,180.3$1,503.2$1,934.5 Total Deposits$761.2$864.5$1,161.4$1,311.8$1,784.0$2,285.9 Total Tier 1 Capital$78.7$81.2$81.5$107.4$130.3$233.4 Net Income

6、$15.8$21.4$22.6$29.3$35.9$42.4 Return on Average Assets 2.0%2.3%2.0%2.2%2.0%1.9%Return on Average Shareholders Equity 24.6%27.8%29.3%31.4%31.2%22.5%A History of Organic Growth Five Star Bancorp was founded in 1999 by a group of local entrepreneurs who wanted to create the kind of personalized bankin