Call reports 2007
BANK OF SACRAMENTO — 2007
What BANK OF SACRAMENTO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 315,169,000 | 318,194,000 | 333,864,000 | 346,022,000 |
| Total loans | 219,585,000 | 225,518,000 | 233,548,000 | 239,950,000 |
| Allowance for loan losses | 2,753,000 | 2,753,000 | 2,678,000 | 2,891,000 |
| Securities available for sale | 75,128,000 | 71,962,000 | 75,646,000 | 82,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,407,000 | 281,703,000 | 297,496,000 | 308,032,000 |
| Interest-bearing deposits | 193,113,000 | 201,575,000 | 209,392,000 | 213,703,000 |
| Noninterest-bearing deposits | 78,294,000 | 80,128,000 | 88,104,000 | 94,329,000 |
| Equity capital | 29,032,000 | 30,583,000 | 31,988,000 | 33,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,244,000 | 10,658,000 | 16,246,000 | 21,806,000 |
| Interest expense | 1,703,000 | 3,472,000 | 5,310,000 | 7,052,000 |
| Net interest income | 3,541,000 | 7,186,000 | 10,936,000 | 14,754,000 |
| Noninterest income | 122,000 | 267,000 | 405,000 | 546,000 |
| Noninterest expense | 2,316,000 | 4,787,000 | 7,221,000 | 9,536,000 |
| Provision for loan losses | 0 | 0 | 0 | 463,000 |
| Pretax income | 1,347,000 | 2,666,000 | 4,120,000 | 5,289,000 |
| Income tax | 485,000 | 937,000 | 1,422,000 | 1,813,000 |
| Net income | 862,000 | 1,729,000 | 2,698,000 | 3,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,368,000 | 31,238,000 | 32,211,000 | 32,992,000 |
| Total capital | 32,256,000 | 34,134,000 | 35,032,000 | 36,050,000 |
| Risk-weighted assets | 265,037,000 | 269,983,000 | 278,159,000 | 283,914,000 |
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