Call reports 2004
BANK OF STOCKTON — 2004
What BANK OF STOCKTON 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 | 1,680,494,000 | 1,700,813,000 | 1,772,587,000 | 1,772,000,000 |
| Total loans | 1,097,419,000 | 1,124,549,000 | 1,232,172,000 | 1,220,875,000 |
| Allowance for loan losses | 28,788,000 | 25,497,000 | 26,417,000 | 27,228,000 |
| Securities available for sale | 360,189,000 | 347,815,000 | 349,192,000 | 393,206,000 |
| Securities held to maturity | 4,214,000 | 4,412,000 | 4,644,000 | 4,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,425,167,000 | 1,458,398,000 | 1,448,628,000 | 1,488,382,000 |
| Interest-bearing deposits | 1,062,962,000 | 1,065,984,000 | 1,049,091,000 | 1,059,573,000 |
| Noninterest-bearing deposits | 362,205,000 | 392,414,000 | 399,537,000 | 428,809,000 |
| Equity capital | 189,444,000 | 184,653,000 | 189,834,000 | 203,421,000 |
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 | 19,801,000 | 39,701,000 | 60,898,000 | 83,959,000 |
| Interest expense | 2,230,000 | 4,317,000 | 6,498,000 | 9,249,000 |
| Net interest income | 17,571,000 | 35,384,000 | 54,400,000 | 74,710,000 |
| Noninterest income | 3,313,000 | 6,650,000 | 9,972,000 | 13,352,000 |
| Noninterest expense | 13,259,000 | 27,894,000 | 41,871,000 | 56,582,000 |
| Provision for loan losses | 50,000 | 650,000 | 1,250,000 | 2,150,000 |
| Pretax income | 7,706,000 | 17,834,000 | 25,544,000 | 33,417,000 |
| Income tax | 2,797,000 | 6,719,000 | 9,566,000 | 12,361,000 |
| Net income | 4,909,000 | 11,115,000 | 15,978,000 | 21,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,750,000 | 107,944,000 | 113,061,000 | 115,942,000 |
| Total capital | 155,491,000 | 153,794,000 | 160,359,000 | 171,391,000 |
| Risk-weighted assets | 1,363,753,000 | 1,398,390,000 | 1,509,217,000 | 1,476,309,000 |