Call reports 2003
BANK OF SANTA CLARA — 2003
What BANK OF SANTA CLARA 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 | 592,197,000 | 598,997,000 | 547,893,000 | 516,130,000 |
| Total loans | 208,236,000 | 209,872,000 | 205,475,000 | 198,203,000 |
| Allowance for loan losses | 5,773,000 | 5,686,000 | 5,576,000 | 5,293,000 |
| Securities available for sale | 202,103,000 | 219,989,000 | 186,797,000 | 177,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,535,000 | 428,197,000 | 389,445,000 | 386,358,000 |
| Interest-bearing deposits | 374,955,000 | 396,472,000 | 353,849,000 | 352,718,000 |
| Noninterest-bearing deposits | 34,580,000 | 31,725,000 | 35,596,000 | 33,640,000 |
| Equity capital | 41,925,000 | 42,753,000 | 41,116,000 | 42,241,000 |
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 | 6,485,000 | 12,631,000 | 18,533,000 | 24,197,000 |
| Interest expense | 1,924,000 | 4,011,000 | 5,332,000 | 6,483,000 |
| Net interest income | 4,561,000 | 8,620,000 | 13,201,000 | 17,714,000 |
| Noninterest income | 639,000 | 1,280,000 | 1,883,000 | 2,510,000 |
| Noninterest expense | 4,154,000 | 7,702,000 | 11,569,000 | 15,092,000 |
| Provision for loan losses | -3,000 | 9,000 | 5,000 | -4,000 |
| Pretax income | 2,031,000 | 3,354,000 | 4,697,000 | 6,332,000 |
| Income tax | 728,000 | 1,218,000 | 1,721,000 | 2,350,000 |
| Net income | 1,303,000 | 2,136,000 | 2,976,000 | 3,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,107,000 | 44,276,000 | 44,532,000 | 44,955,000 |
| Total capital | 47,842,000 | 48,032,000 | 48,168,000 | 48,528,000 |
| Risk-weighted assets | 296,722,000 | 298,491,000 | 288,934,000 | 284,074,000 |