Call reports 2003
BANK OF SACRAMENTO — 2003
What BANK OF SACRAMENTO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 147,071,000 | 159,044,000 | 162,154,000 | 173,195,000 |
| Total loans | 92,594,000 | 103,010,000 | 108,284,000 | 119,758,000 |
| Allowance for loan losses | 1,343,000 | 1,495,000 | 1,450,000 | 1,600,000 |
| Securities available for sale | 38,865,000 | 40,093,000 | 40,338,000 | 43,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,280,000 | 123,238,000 | 131,385,000 | 138,986,000 |
| Interest-bearing deposits | 94,122,000 | 96,918,000 | 98,607,000 | 102,214,000 |
| Noninterest-bearing deposits | 25,158,000 | 26,320,000 | 32,778,000 | 36,771,000 |
| Equity capital | 14,993,000 | 15,307,000 | 15,397,000 | 15,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,818,000 | 3,728,000 | 5,596,000 | 7,610,000 |
| Interest expense | 401,000 | 793,000 | 1,177,000 | 1,559,000 |
| Net interest income | 1,417,000 | 2,935,000 | 4,419,000 | 6,051,000 |
| Noninterest income | 101,000 | 203,000 | 308,000 | 414,000 |
| Noninterest expense | 1,067,000 | 2,032,000 | 3,095,000 | 4,224,000 |
| Provision for loan losses | 170,000 | 322,000 | 497,000 | 645,000 |
| Pretax income | 278,000 | 867,000 | 1,244,000 | 1,736,000 |
| Income tax | 114,000 | 363,000 | 485,000 | 636,000 |
| Net income | 164,000 | 504,000 | 759,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,923,000 | 15,263,000 | 15,518,000 | 15,860,000 |
| Total capital | 16,266,000 | 16,758,000 | 16,968,000 | 17,460,000 |
| Risk-weighted assets | 119,239,000 | 133,878,000 | 139,178,000 | 150,543,000 |
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