Call reports 2009
BANK OF SACRAMENTO — 2009
What BANK OF SACRAMENTO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 353,239,000 | 360,962,000 | 358,458,000 | 356,680,000 |
| Total loans | 260,586,000 | 255,663,000 | 267,380,000 | 260,171,000 |
| Allowance for loan losses | 3,456,000 | 3,897,000 | 4,078,000 | 4,742,000 |
| Securities available for sale | 65,179,000 | 61,846,000 | 59,535,000 | 66,712,000 |
| Securities held to maturity | 2,210,000 | 2,210,000 | 2,210,000 | 2,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,317,000 | 318,558,000 | 318,503,000 | 311,383,000 |
| Interest-bearing deposits | 217,603,000 | 232,486,000 | 226,420,000 | 217,966,000 |
| Noninterest-bearing deposits | 86,713,000 | 86,072,000 | 92,083,000 | 93,417,000 |
| Equity capital | 34,763,000 | 34,792,000 | 35,464,000 | 34,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,626,000 | 9,356,000 | 13,907,000 | 18,480,000 |
| Interest expense | 841,000 | 1,538,000 | 2,179,000 | 2,733,000 |
| Net interest income | 3,785,000 | 7,818,000 | 11,728,000 | 15,747,000 |
| Noninterest income | 241,000 | 438,000 | -218,000 | -1,114,000 |
| Noninterest expense | 2,817,000 | 5,539,000 | 8,162,000 | 10,629,000 |
| Provision for loan losses | 645,000 | 2,200,000 | 3,300,000 | 4,300,000 |
| Pretax income | 862,000 | 1,114,000 | 829,000 | 894,000 |
| Income tax | 294,000 | 279,000 | 35,000 | -116,000 |
| Net income | 568,000 | 835,000 | 794,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,621,000 | 34,895,000 | 34,865,000 | 34,581,000 |
| Total capital | 38,244,000 | 38,554,000 | 38,596,000 | 38,301,000 |
| Risk-weighted assets | 296,804,000 | 292,299,000 | 297,986,000 | 296,439,000 |