Call reports 2003
SAN JOSE NATIONAL BANK — 2003
What SAN JOSE NATIONAL BANK 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 | 756,156,000 | 731,967,000 | 682,722,000 | 639,501,000 |
| Total loans | 408,693,000 | 385,511,000 | 375,845,000 | 363,969,000 |
| Allowance for loan losses | 13,264,000 | 13,687,000 | 13,822,000 | 14,592,000 |
| Securities available for sale | 216,386,000 | 242,277,000 | 198,216,000 | 175,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,454,000 | 562,649,000 | 538,476,000 | 496,330,000 |
| Interest-bearing deposits | 540,813,000 | 523,134,000 | 497,303,000 | 457,612,000 |
| Noninterest-bearing deposits | 39,641,000 | 39,515,000 | 41,173,000 | 38,718,000 |
| Equity capital | 69,807,000 | 71,339,000 | 69,849,000 | 69,006,000 |
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 | 8,373,000 | 16,073,000 | 23,526,000 | 30,685,000 |
| Interest expense | 2,510,000 | 4,727,000 | 6,541,000 | 8,132,000 |
| Net interest income | 5,863,000 | 11,346,000 | 16,985,000 | 22,553,000 |
| Noninterest income | 524,000 | 1,178,000 | 1,647,000 | 2,360,000 |
| Noninterest expense | 3,844,000 | 8,298,000 | 13,126,000 | 17,851,000 |
| Provision for loan losses | 1,608,000 | 2,013,000 | 2,022,000 | 2,823,000 |
| Pretax income | 1,112,000 | 2,617,000 | 3,989,000 | 4,970,000 |
| Income tax | 413,000 | 932,000 | 1,407,000 | 1,735,000 |
| Net income | 699,000 | 1,685,000 | 2,582,000 | 3,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,478,000 | 66,438,000 | 66,299,000 | 66,056,000 |
| Total capital | 72,809,000 | 72,465,000 | 72,103,000 | 71,723,000 |
| Risk-weighted assets | 499,349,000 | 474,413,000 | 456,197,000 | 444,315,000 |