Call reports 2003
TAMALPAIS BANK — 2003
What TAMALPAIS 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 | 280,482,000 | 285,784,000 | 296,646,000 | 301,342,000 |
| Total loans | 199,314,000 | 214,140,000 | 229,538,000 | 249,144,000 |
| Allowance for loan losses | 2,181,000 | 2,344,000 | 2,511,000 | 2,726,000 |
| Securities available for sale | 34,365,000 | 30,247,000 | 30,635,000 | 0 |
| Securities held to maturity | 32,406,000 | 27,407,000 | 22,076,000 | 18,907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,712,000 | 198,212,000 | 205,335,000 | 211,821,000 |
| Interest-bearing deposits | 191,607,000 | 190,546,000 | 196,622,000 | 198,665,000 |
| Noninterest-bearing deposits | 6,105,000 | 7,666,000 | 8,713,000 | 13,156,000 |
| Equity capital | 21,004,000 | 21,634,000 | 22,387,000 | 22,719,000 |
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 | 4,201,000 | 8,557,000 | 12,909,000 | 17,455,000 |
| Interest expense | 1,500,000 | 2,960,000 | 4,374,000 | 5,785,000 |
| Net interest income | 2,701,000 | 5,597,000 | 8,535,000 | 11,670,000 |
| Noninterest income | 81,000 | 156,000 | 241,000 | 408,000 |
| Noninterest expense | 1,284,000 | 2,768,000 | 4,283,000 | 6,166,000 |
| Provision for loan losses | 239,000 | 402,000 | 569,000 | 784,000 |
| Pretax income | 1,259,000 | 2,583,000 | 3,923,000 | 5,346,000 |
| Income tax | 490,000 | 1,005,000 | 1,528,000 | 2,063,000 |
| Net income | 769,000 | 1,578,000 | 2,395,000 | 3,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,888,000 | 21,512,000 | 22,141,000 | 22,716,000 |
| Total capital | 23,070,000 | 23,856,000 | 24,652,000 | 25,442,000 |
| Risk-weighted assets | 204,985,000 | 216,873,000 | 226,374,000 | 249,890,000 |