Call reports 2003
CUPERTINO NATIONAL BANK — 2003
What CUPERTINO NATIONAL BANK 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 | 2,203,348,000 | 2,138,323,000 | 2,135,635,000 | 2,117,750,000 |
| Total loans | 1,682,300,000 | 1,644,974,000 | 1,624,691,000 | 1,611,259,000 |
| Allowance for loan losses | 53,919,000 | 55,526,000 | 55,568,000 | 55,713,000 |
| Securities available for sale | 367,277,000 | 338,294,000 | 345,554,000 | 318,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,344,234,000 | 1,359,965,000 | 1,375,722,000 | 1,372,356,000 |
| Interest-bearing deposits | 1,119,176,000 | 1,283,140,000 | 1,279,199,000 | 1,265,243,000 |
| Noninterest-bearing deposits | 225,058,000 | 76,825,000 | 96,523,000 | 107,113,000 |
| Equity capital | 184,958,000 | 190,058,000 | 192,714,000 | 197,348,000 |
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 | 36,926,000 | 73,049,000 | 107,356,000 | 141,527,000 |
| Interest expense | 8,204,000 | 14,989,000 | 21,246,000 | 27,232,000 |
| Net interest income | 28,722,000 | 58,060,000 | 86,110,000 | 114,295,000 |
| Noninterest income | 6,222,000 | 12,033,000 | 20,014,000 | 26,691,000 |
| Noninterest expense | 20,449,000 | 41,182,000 | 60,902,000 | 80,945,000 |
| Provision for loan losses | 1,668,000 | 7,143,000 | 14,036,000 | 20,370,000 |
| Pretax income | 13,266,000 | 23,316,000 | 32,734,000 | 41,340,000 |
| Income tax | 4,966,000 | 8,737,000 | 12,258,000 | 15,459,000 |
| Net income | 8,300,000 | 14,579,000 | 20,476,000 | 25,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 201,810,000 | 206,988,000 | 212,466,000 | 217,362,000 |
| Total capital | 231,497,000 | 235,556,000 | 240,113,000 | 244,332,000 |
| Risk-weighted assets | 1,864,113,000 | 1,834,866,000 | 1,824,832,000 | 1,827,875,000 |