Call reports 2002
BANK OF SANTA CLARA — 2002
What BANK OF SANTA CLARA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 608,897,000 | 601,055,000 | 572,075,000 | 553,416,000 |
| Total loans | 235,054,000 | 232,703,000 | 231,065,000 | 219,840,000 |
| Allowance for loan losses | 6,097,000 | 6,127,000 | 6,042,000 | 5,869,000 |
| Securities available for sale | 271,812,000 | 260,340,000 | 235,899,000 | 198,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,425,000 | 365,812,000 | 365,378,000 | 336,607,000 |
| Interest-bearing deposits | 336,748,000 | 332,406,000 | 332,507,000 | 303,830,000 |
| Noninterest-bearing deposits | 28,677,000 | 33,406,000 | 32,871,000 | 32,777,000 |
| Equity capital | 36,656,000 | 39,071,000 | 41,065,000 | 41,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,916,000 | 18,029,000 | 26,063,000 | 33,103,000 |
| Interest expense | 2,591,000 | 5,257,000 | 7,661,000 | 9,809,000 |
| Net interest income | 6,325,000 | 12,772,000 | 18,402,000 | 23,294,000 |
| Noninterest income | 613,000 | 1,340,000 | 2,189,000 | 2,983,000 |
| Noninterest expense | 3,848,000 | 7,642,000 | 11,301,000 | 15,015,000 |
| Provision for loan losses | 226,000 | 315,000 | 309,000 | 275,000 |
| Pretax income | 2,954,000 | 6,427,000 | 9,535,000 | 11,569,000 |
| Income tax | 1,118,000 | 2,454,000 | 3,577,000 | 4,343,000 |
| Net income | 1,836,000 | 3,973,000 | 5,958,000 | 7,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,622,000 | 41,259,000 | 42,604,000 | 43,339,000 |
| Total capital | 43,770,000 | 45,337,000 | 46,606,000 | 47,022,000 |
| Risk-weighted assets | 329,890,000 | 324,221,000 | 318,133,000 | 292,424,000 |