Call reports 2001
FIRST BANK OF SAN LUIS OBISPO — 2001
What FIRST BANK OF SAN LUIS OBISPO reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 243,195,000 | 267,737,000 | 275,507,000 | 277,186,000 |
| Total loans | 138,818,000 | 140,504,000 | 144,504,000 | 142,031,000 |
| Allowance for loan losses | 1,621,000 | 1,193,000 | 1,466,000 | 1,470,000 |
| Securities available for sale | 87,749,000 | 108,296,000 | 110,611,000 | 117,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 1,430,000 |
| Total deposits | 155,531,000 | 174,375,000 | 179,777,000 | 174,094,000 |
| Interest-bearing deposits | 122,041,000 | 140,936,000 | 142,028,000 | 131,787,000 |
| Noninterest-bearing deposits | 33,490,000 | 33,439,000 | 37,749,000 | 42,307,000 |
| Equity capital | 19,988,000 | 20,617,000 | 22,403,000 | 22,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,765,000 | 9,600,000 | 14,259,000 | 19,099,000 |
| Interest expense | 2,360,000 | 4,774,000 | 7,084,000 | 9,059,000 |
| Net interest income | 2,405,000 | 4,826,000 | 7,175,000 | 10,040,000 |
| Noninterest income | 274,000 | 569,000 | 842,000 | 1,149,000 |
| Noninterest expense | 1,819,000 | 3,670,000 | 5,551,000 | 7,278,000 |
| Provision for loan losses | 750,000 | 1,225,000 | 1,555,000 | 1,555,000 |
| Pretax income | 427,000 | 877,000 | 1,564,000 | 3,044,000 |
| Income tax | 0 | 0 | 92,000 | 741,000 |
| Net income | 427,000 | 877,000 | 1,472,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,678,000 | 20,128,000 | 20,724,000 | 20,638,000 |
| Total capital | 21,299,000 | 21,321,000 | 22,190,000 | 22,108,000 |
| Risk-weighted assets | 169,449,000 | 184,414,000 | 184,118,000 | 187,022,000 |