Call reports 2005
BANK OF SACRAMENTO — 2005
What BANK OF SACRAMENTO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 216,404,000 | 221,512,000 | 255,449,000 | 276,066,000 |
| Total loans | 149,362,000 | 162,021,000 | 167,627,000 | 180,857,000 |
| Allowance for loan losses | 1,826,000 | 1,861,000 | 1,917,000 | 2,024,000 |
| Securities available for sale | 53,536,000 | 44,899,000 | 71,715,000 | 79,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,519,000 | 191,384,000 | 220,741,000 | 233,108,000 |
| Interest-bearing deposits | 134,576,000 | 137,611,000 | 159,399,000 | 166,317,000 |
| Noninterest-bearing deposits | 49,943,000 | 53,773,000 | 61,342,000 | 66,791,000 |
| Equity capital | 18,279,000 | 19,164,000 | 23,455,000 | 24,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,685,000 | 5,784,000 | 9,323,000 | 13,438,000 |
| Interest expense | 540,000 | 1,272,000 | 2,145,000 | 3,168,000 |
| Net interest income | 2,145,000 | 4,512,000 | 7,178,000 | 10,270,000 |
| Noninterest income | 98,000 | 207,000 | 321,000 | 453,000 |
| Noninterest expense | 1,466,000 | 2,938,000 | 4,405,000 | 5,982,000 |
| Provision for loan losses | 50,000 | 88,000 | 144,000 | 222,000 |
| Pretax income | 727,000 | 1,731,000 | 2,988,000 | 4,557,000 |
| Income tax | 250,000 | 632,000 | 1,132,000 | 1,778,000 |
| Net income | 477,000 | 1,099,000 | 1,856,000 | 2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,788,000 | 19,411,000 | 23,917,000 | 24,840,000 |
| Total capital | 20,705,000 | 21,371,000 | 25,939,000 | 26,974,000 |
| Risk-weighted assets | 186,803,000 | 195,274,000 | 204,730,000 | 221,624,000 |
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