Call reports 2005
FIRST BANK OF SAN LUIS OBISPO — 2005
What FIRST BANK OF SAN LUIS OBISPO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 306,187,000 | 301,723,000 |
| Total loans | 229,732,000 | 216,194,000 |
| Allowance for loan losses | 3,132,000 | 3,217,000 |
| Securities available for sale | 59,582,000 | 54,002,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 250,207,000 | 257,929,000 |
| Interest-bearing deposits | 192,145,000 | 198,598,000 |
| Noninterest-bearing deposits | 58,062,000 | 59,331,000 |
| Equity capital | 28,826,000 | 29,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Interest income | 4,315,000 | 8,941,000 |
| Interest expense | 1,035,000 | 2,264,000 |
| Net interest income | 3,280,000 | 6,677,000 |
| Noninterest income | 916,000 | 1,628,000 |
| Noninterest expense | 2,347,000 | 4,972,000 |
| Provision for loan losses | 222,000 | 267,000 |
| Pretax income | 1,627,000 | 3,066,000 |
| Income tax | 642,000 | 1,188,000 |
| Net income | 985,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 28,774,000 | 29,785,000 |
| Total capital | 31,674,000 | 32,593,000 |
| Risk-weighted assets | 231,646,000 | 224,107,000 |