Call reports 2004
FIRST BANK OF SAN LUIS OBISPO — 2004
What FIRST BANK OF SAN LUIS OBISPO 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 | 277,618,000 | 269,151,000 | 270,829,000 | 279,565,000 |
| Total loans | 181,165,000 | 184,041,000 | 185,138,000 | 196,884,000 |
| Allowance for loan losses | 2,736,000 | 2,791,000 | 2,864,000 | 2,905,000 |
| Securities available for sale | 74,801,000 | 63,668,000 | 67,294,000 | 66,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,177,000 | 208,228,000 | 224,614,000 | 225,269,000 |
| Interest-bearing deposits | 157,106,000 | 152,936,000 | 167,440,000 | 165,732,000 |
| Noninterest-bearing deposits | 51,071,000 | 55,292,000 | 57,174,000 | 59,537,000 |
| Equity capital | 26,360,000 | 26,664,000 | 27,723,000 | 28,118,000 |
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 | 3,472,000 | 7,120,000 | 10,802,000 | 14,741,000 |
| Interest expense | 676,000 | 1,319,000 | 2,003,000 | 2,771,000 |
| Net interest income | 2,796,000 | 5,801,000 | 8,799,000 | 11,970,000 |
| Noninterest income | 572,000 | 1,225,000 | 1,833,000 | 2,335,000 |
| Noninterest expense | 2,461,000 | 4,788,000 | 7,096,000 | 9,465,000 |
| Provision for loan losses | 237,000 | 277,000 | 362,000 | 573,000 |
| Pretax income | 805,000 | 2,096,000 | 3,309,000 | 4,426,000 |
| Income tax | 277,000 | 767,000 | 1,225,000 | 1,634,000 |
| Net income | 528,000 | 1,329,000 | 2,084,000 | 2,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,875,000 | 26,676,000 | 27,431,000 | 27,789,000 |
| Total capital | 28,426,000 | 29,263,000 | 29,966,000 | 30,428,000 |
| Risk-weighted assets | 203,870,000 | 206,641,000 | 202,381,000 | 210,713,000 |