Call reports 2004
BANK OF SACRAMENTO — 2004
What BANK OF SACRAMENTO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 181,256,000 | 195,226,000 | 200,680,000 | 208,907,000 |
| Total loans | 124,985,000 | 130,671,000 | 136,990,000 | 139,959,000 |
| Allowance for loan losses | 1,676,000 | 1,670,000 | 1,738,000 | 1,775,000 |
| Securities available for sale | 43,822,000 | 43,105,000 | 47,102,000 | 54,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,169,000 | 156,612,000 | 165,246,000 | 178,207,000 |
| Interest-bearing deposits | 110,173,000 | 110,470,000 | 118,684,000 | 128,513,000 |
| Noninterest-bearing deposits | 42,996,000 | 46,142,000 | 46,562,000 | 49,694,000 |
| Equity capital | 16,406,000 | 16,349,000 | 17,303,000 | 17,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,180,000 | 4,415,000 | 6,857,000 | 9,417,000 |
| Interest expense | 366,000 | 748,000 | 1,186,000 | 1,684,000 |
| Net interest income | 1,814,000 | 3,667,000 | 5,671,000 | 7,733,000 |
| Noninterest income | 109,000 | 242,000 | 365,000 | 481,000 |
| Noninterest expense | 1,199,000 | 2,445,000 | 3,645,000 | 4,941,000 |
| Provision for loan losses | 76,000 | 70,000 | 138,000 | 175,000 |
| Pretax income | 649,000 | 1,511,000 | 2,370,000 | 3,252,000 |
| Income tax | 232,000 | 556,000 | 810,000 | 1,125,000 |
| Net income | 417,000 | 955,000 | 1,560,000 | 2,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,177,000 | 16,714,000 | 17,319,000 | 17,886,000 |
| Total capital | 17,853,000 | 18,461,000 | 19,138,000 | 19,751,000 |
| Risk-weighted assets | 154,579,000 | 165,072,000 | 172,009,000 | 182,767,000 |
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