Call reports 2003
FIRST BANK OF SAN LUIS OBISPO — 2003
What FIRST BANK OF SAN LUIS OBISPO 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 | 295,569,000 | 303,952,000 | 306,537,000 | 281,944,000 |
| Total loans | 146,529,000 | 149,014,000 | 154,517,000 | 167,780,000 |
| Allowance for loan losses | 2,097,000 | 2,219,000 | 2,256,000 | 2,496,000 |
| Securities available for sale | 130,329,000 | 133,902,000 | 128,562,000 | 68,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,586,000 | 204,975,000 | 213,003,000 | 206,554,000 |
| Interest-bearing deposits | 149,128,000 | 158,909,000 | 160,959,000 | 154,454,000 |
| Noninterest-bearing deposits | 47,458,000 | 46,066,000 | 52,044,000 | 52,100,000 |
| Equity capital | 26,393,000 | 27,253,000 | 25,586,000 | 26,199,000 |
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 | 4,070,000 | 7,990,000 | 12,215,000 | 15,515,000 |
| Interest expense | 1,092,000 | 2,047,000 | 2,970,000 | 3,828,000 |
| Net interest income | 2,978,000 | 5,943,000 | 9,245,000 | 11,687,000 |
| Noninterest income | 439,000 | 1,340,000 | 1,969,000 | 2,481,000 |
| Noninterest expense | 2,196,000 | 4,515,000 | 6,775,000 | 9,395,000 |
| Provision for loan losses | 120,000 | 200,000 | 230,000 | 495,000 |
| Pretax income | 1,101,000 | 2,590,000 | 4,240,000 | 4,301,000 |
| Income tax | 333,000 | 842,000 | 1,585,000 | 1,525,000 |
| Net income | 768,000 | 1,748,000 | 2,655,000 | 2,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,094,000 | 25,663,000 | 26,156,000 | 25,917,000 |
| Total capital | 27,221,000 | 27,912,000 | 28,442,000 | 28,399,000 |
| Risk-weighted assets | 186,086,000 | 191,569,000 | 200,276,000 | 198,529,000 |