Call reports 2010
BANK OF SACRAMENTO — 2010
What BANK OF SACRAMENTO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 359,268,000 | 356,997,000 | 373,096,000 | 368,903,000 |
| Total loans | 249,722,000 | 246,047,000 | 246,751,000 | 239,227,000 |
| Allowance for loan losses | 4,742,000 | 4,767,000 | 4,678,000 | 5,024,000 |
| Securities available for sale | 79,900,000 | 82,821,000 | 98,307,000 | 100,534,000 |
| Securities held to maturity | 1,973,000 | 1,973,000 | 1,973,000 | 1,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,055,000 | 316,931,000 | 307,929,000 | 310,542,000 |
| Interest-bearing deposits | 218,081,000 | 226,280,000 | 218,993,000 | 232,866,000 |
| Noninterest-bearing deposits | 86,974,000 | 90,651,000 | 88,936,000 | 77,676,000 |
| Equity capital | 33,968,000 | 34,844,000 | 35,636,000 | 35,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,517,000 | 8,961,000 | 13,493,000 | 17,685,000 |
| Interest expense | 470,000 | 924,000 | 1,391,000 | 1,887,000 |
| Net interest income | 4,047,000 | 8,037,000 | 12,102,000 | 15,798,000 |
| Noninterest income | 193,000 | -481,000 | -998,000 | -1,241,000 |
| Noninterest expense | 2,729,000 | 5,551,000 | 8,419,000 | 11,209,000 |
| Provision for loan losses | 3,905,000 | 4,005,000 | 4,030,000 | 4,030,000 |
| Pretax income | -2,169,000 | -1,212,000 | -76,000 | 967,000 |
| Income tax | -1,118,000 | -813,000 | -409,000 | -30,000 |
| Net income | -1,051,000 | -399,000 | 333,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,003,000 | 34,123,000 | 34,893,000 | 35,350,000 |
| Total capital | 36,596,000 | 37,698,000 | 38,441,000 | 38,865,000 |
| Risk-weighted assets | 286,256,000 | 284,749,000 | 282,600,000 | 279,583,000 |