Call reports 2004
CHINO COMMERCIAL BANK, NATIONAL ASSOCIATION — 2004
What CHINO COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 64,016,000 | 93,478,000 | 78,585,000 | 77,086,000 |
| Total loans | 28,802,000 | 30,189,000 | 32,965,000 | 34,804,000 |
| Allowance for loan losses | 352,000 | 368,000 | 360,000 | 407,000 |
| Securities available for sale | 9,335,000 | 16,094,000 | 15,447,000 | 15,564,000 |
| Securities held to maturity | 6,541,000 | 5,593,000 | 6,127,000 | 4,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,250,000 | 87,641,000 | 72,277,000 | 70,741,000 |
| Interest-bearing deposits | 12,403,000 | 25,162,000 | 14,411,000 | 14,629,000 |
| Noninterest-bearing deposits | 45,847,000 | 62,479,000 | 57,866,000 | 56,112,000 |
| Equity capital | 5,476,000 | 5,522,000 | 5,776,000 | 5,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,393,000 | 2,220,000 | 3,085,000 |
| Interest expense | 37,000 | 79,000 | 123,000 | 172,000 |
| Net interest income | 622,000 | 1,314,000 | 2,097,000 | 2,913,000 |
| Noninterest income | 135,000 | 287,000 | 411,000 | 558,000 |
| Noninterest expense | 569,000 | 1,185,000 | 1,814,000 | 2,476,000 |
| Provision for loan losses | 0 | 16,000 | 49,000 | 78,000 |
| Pretax income | 188,000 | 400,000 | 645,000 | 917,000 |
| Income tax | 70,000 | 145,000 | 234,000 | 336,000 |
| Net income | 118,000 | 255,000 | 411,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,468,000 | 5,605,000 | 5,762,000 | 5,932,000 |
| Total capital | 5,820,000 | 5,973,000 | 6,163,000 | 6,366,000 |
| Risk-weighted assets | 35,107,000 | 42,462,000 | 41,445,000 | 42,986,000 |
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