Call reports 2015
BANK OF SANTA CLARITA — 2015
What BANK OF SANTA CLARITA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 266,447,000 | 270,286,000 | 278,866,000 | 277,786,000 |
| Total loans | 169,528,000 | 175,029,000 | 183,022,000 | 185,347,000 |
| Allowance for loan losses | 1,955,000 | 2,006,000 | 2,098,000 | 2,125,000 |
| Securities available for sale | 28,635,000 | 27,559,000 | 26,080,000 | 25,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,116,000 | 183,588,000 | 192,172,000 | 220,853,000 |
| Interest-bearing deposits | 125,453,000 | 120,775,000 | 117,520,000 | 133,825,000 |
| Noninterest-bearing deposits | 61,662,000 | 62,813,000 | 74,652,000 | 87,028,000 |
| Equity capital | 24,513,000 | 24,801,000 | 25,269,000 | 25,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,207,000 | 4,301,000 | 6,422,000 | 8,639,000 |
| Interest expense | 355,000 | 674,000 | 987,000 | 1,321,000 |
| Net interest income | 1,852,000 | 3,627,000 | 5,435,000 | 7,318,000 |
| Noninterest income | 178,000 | 517,000 | 721,000 | 916,000 |
| Noninterest expense | 1,437,000 | 2,982,000 | 4,478,000 | 6,013,000 |
| Provision for loan losses | 32,000 | 80,000 | 166,000 | 190,000 |
| Pretax income | 561,000 | 1,082,000 | 1,512,000 | 2,031,000 |
| Income tax | 214,000 | 424,000 | 598,000 | 810,000 |
| Net income | 347,000 | 658,000 | 914,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,850,000 | 25,182,000 | 25,464,000 | 25,798,000 |
| Total capital | 26,838,000 | 27,220,000 | 27,594,000 | 27,952,000 |
| Risk-weighted assets | 190,259,000 | 194,894,000 | 201,539,000 | 205,203,000 |