Call reports 2005
SACRAMENTO DEPOSIT BANK, THE — 2005
What SACRAMENTO DEPOSIT BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,096,000 | 51,163,000 | 51,836,000 | 52,825,000 |
| Total loans | 31,846,000 | 32,406,000 | 32,684,000 | 33,201,000 |
| Allowance for loan losses | 310,000 | 348,000 | 372,000 | 407,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,318,000 | 14,595,000 | 14,578,000 | 14,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,490,000 | 41,273,000 | 41,630,000 | 43,480,000 |
| Interest-bearing deposits | 38,697,000 | 36,860,000 | 36,915,000 | 37,542,000 |
| Noninterest-bearing deposits | 4,793,000 | 4,413,000 | 4,715,000 | 5,938,000 |
| Equity capital | 8,780,000 | 8,980,000 | 9,214,000 | 8,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,593,000 | 2,413,000 | 3,255,000 |
| Interest expense | 224,000 | 455,000 | 698,000 | 957,000 |
| Net interest income | 564,000 | 1,138,000 | 1,715,000 | 2,298,000 |
| Noninterest income | 61,000 | 126,000 | 201,000 | 272,000 |
| Noninterest expense | 313,000 | 672,000 | 1,000,000 | 1,341,000 |
| Provision for loan losses | 14,000 | 42,000 | 79,000 | 177,000 |
| Pretax income | 298,000 | 550,000 | 837,000 | 1,052,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 550,000 | 837,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,780,000 | 8,980,000 | 9,214,000 | 8,580,000 |
| Total capital | 9,090,000 | 9,328,000 | 9,586,000 | 8,983,000 |
| Risk-weighted assets | 31,085,000 | 31,235,000 | 31,659,000 | 32,217,000 |
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