Call reports 2003
SACRAMENTO DEPOSIT BANK, THE — 2003
What SACRAMENTO DEPOSIT BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,635,000 | 49,038,000 | 49,370,000 | 51,322,000 |
| Total loans | 30,183,000 | 31,449,000 | 32,107,000 | 32,066,000 |
| Allowance for loan losses | 373,000 | 385,000 | 400,000 | 406,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,577,000 | 12,401,000 | 12,846,000 | 12,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,910,000 | 39,020,000 | 39,153,000 | 41,808,000 |
| Interest-bearing deposits | 34,607,000 | 35,017,000 | 35,229,000 | 36,466,000 |
| Noninterest-bearing deposits | 4,303,000 | 4,003,000 | 3,924,000 | 5,342,000 |
| Equity capital | 8,604,000 | 8,856,000 | 9,024,000 | 8,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 740,000 | 1,491,000 | 2,254,000 | 3,025,000 |
| Interest expense | 264,000 | 510,000 | 748,000 | 979,000 |
| Net interest income | 476,000 | 981,000 | 1,506,000 | 2,046,000 |
| Noninterest income | 84,000 | 184,000 | 296,000 | 368,000 |
| Noninterest expense | 273,000 | 554,000 | 812,000 | 1,129,000 |
| Provision for loan losses | 28,000 | 28,000 | 167,000 | 167,000 |
| Pretax income | 259,000 | 583,000 | 823,000 | 1,118,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 257,000 | 579,000 | 817,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,604,000 | 8,856,000 | 9,024,000 | 8,477,000 |
| Total capital | 8,970,000 | 9,235,000 | 9,408,000 | 8,868,000 |
| Risk-weighted assets | 29,300,000 | 30,304,000 | 30,733,000 | 31,240,000 |
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