Call reports 2002
FIRST BANK OF SAN LUIS OBISPO — 2002
What FIRST BANK OF SAN LUIS OBISPO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 275,484,000 | 273,144,000 | 285,705,000 | 298,416,000 |
| Total loans | 133,949,000 | 139,129,000 | 144,164,000 | 151,133,000 |
| Allowance for loan losses | 1,668,000 | 1,724,000 | 1,791,000 | 1,975,000 |
| Securities available for sale | 121,329,000 | 117,209,000 | 125,387,000 | 128,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,193,000 | 173,241,000 | 190,468,000 | 192,957,000 |
| Interest-bearing deposits | 137,548,000 | 133,750,000 | 144,983,000 | 146,562,000 |
| Noninterest-bearing deposits | 39,645,000 | 39,491,000 | 45,485,000 | 46,395,000 |
| Equity capital | 21,493,000 | 22,880,000 | 23,663,000 | 26,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,489,000 | 8,965,000 | 13,401,000 | 17,604,000 |
| Interest expense | 1,457,000 | 2,798,000 | 4,098,000 | 5,310,000 |
| Net interest income | 3,032,000 | 6,167,000 | 9,303,000 | 12,294,000 |
| Noninterest income | 372,000 | 832,000 | 1,232,000 | 1,415,000 |
| Noninterest expense | 2,026,000 | 4,060,000 | 6,127,000 | 8,028,000 |
| Provision for loan losses | 270,000 | 400,000 | 630,000 | 810,000 |
| Pretax income | 1,129,000 | 2,527,000 | 3,775,000 | 909,000 |
| Income tax | 326,000 | 856,000 | 1,274,000 | -5,000 |
| Net income | 803,000 | 1,671,000 | 2,501,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,416,000 | 21,534,000 | 21,730,000 | 24,761,000 |
| Total capital | 22,084,000 | 23,288,000 | 23,551,000 | 26,765,000 |
| Risk-weighted assets | 177,718,000 | 187,956,000 | 193,693,000 | 186,046,000 |