Call reports 2014
BANK OF SACRAMENTO — 2014
What BANK OF SACRAMENTO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 468,397,000 | 467,489,000 | 480,508,000 | 468,558,000 |
| Total loans | 274,567,000 | 273,661,000 | 273,279,000 | 267,654,000 |
| Allowance for loan losses | 3,996,000 | 4,079,000 | 3,717,000 | 3,511,000 |
| Securities available for sale | 116,444,000 | 115,647,000 | 113,188,000 | 111,069,000 |
| Securities held to maturity | 47,778,000 | 47,744,000 | 47,708,000 | 47,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,031,000 | 378,617,000 | 409,824,000 | 401,040,000 |
| Interest-bearing deposits | 245,801,000 | 261,344,000 | 274,749,000 | 269,173,000 |
| Noninterest-bearing deposits | 120,231,000 | 117,274,000 | 135,075,000 | 131,868,000 |
| Equity capital | 43,836,000 | 45,195,000 | 46,337,000 | 46,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,049,000 | 8,223,000 | 12,421,000 | 16,450,000 |
| Interest expense | 342,000 | 687,000 | 1,058,000 | 1,462,000 |
| Net interest income | 3,707,000 | 7,536,000 | 11,363,000 | 14,988,000 |
| Noninterest income | 167,000 | 260,000 | 347,000 | 738,000 |
| Noninterest expense | 2,886,000 | 5,821,000 | 8,608,000 | 11,614,000 |
| Provision for loan losses | 0 | 0 | -400,000 | -1,150,000 |
| Pretax income | 988,000 | 1,975,000 | 3,502,000 | 5,262,000 |
| Income tax | 308,000 | 612,000 | 1,119,000 | 1,783,000 |
| Net income | 680,000 | 1,363,000 | 2,383,000 | 3,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,912,000 | 46,757,000 | 48,056,000 | 47,916,000 |
| Total capital | 50,007,000 | 50,935,000 | 51,872,000 | 51,526,000 |
| Risk-weighted assets | 336,291,000 | 341,103,000 | 345,015,000 | 336,737,000 |