Call reports 2008
TUSTIN COMMUNITY BANK — 2008
What TUSTIN COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,622,000 | 53,257,000 | 57,317,000 | 61,721,000 |
| Total loans | 46,398,000 | 48,649,000 | 52,280,000 | 53,283,000 |
| Allowance for loan losses | 1,531,000 | 1,735,000 | 1,797,000 | 1,598,000 |
| Securities available for sale | 29,000 | 48,000 | 49,000 | 77,000 |
| Securities held to maturity | 730,000 | 730,000 | 730,000 | 720,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,264,000 | 40,796,000 | 45,071,000 | 50,174,000 |
| Interest-bearing deposits | 40,154,000 | 40,640,000 | 44,822,000 | 49,781,000 |
| Noninterest-bearing deposits | 111,000 | 156,000 | 249,000 | 393,000 |
| Equity capital | 7,373,000 | 7,408,000 | 7,266,000 | 7,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,390,000 | 2,852,000 | 4,230,000 | 5,583,000 |
| Interest expense | 478,000 | 896,000 | 1,311,000 | 1,748,000 |
| Net interest income | 912,000 | 1,956,000 | 2,919,000 | 3,835,000 |
| Noninterest income | 14,000 | 65,000 | 80,000 | 97,000 |
| Noninterest expense | 584,000 | 1,175,000 | 1,783,000 | 2,378,000 |
| Provision for loan losses | 185,000 | 578,000 | 1,095,000 | 1,515,000 |
| Pretax income | 157,000 | 268,000 | 121,000 | 39,000 |
| Income tax | 6,000 | 9,000 | 4,000 | 1,000 |
| Net income | 151,000 | 259,000 | 117,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,373,000 | 7,408,000 | 7,266,000 | 7,187,000 |
| Total capital | 7,964,000 | 8,042,000 | 7,937,000 | 7,871,000 |
| Risk-weighted assets | 46,299,000 | 49,598,000 | 52,559,000 | 53,699,000 |