Call reports 2003
AMERICA CALIFORNIA BANK — 2003
What AMERICA CALIFORNIA 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 | 104,835,000 | 111,219,000 | 111,750,000 | 110,437,000 |
| Total loans | 79,637,000 | 77,427,000 | 71,731,000 | 70,730,000 |
| Allowance for loan losses | 1,318,000 | 1,354,000 | 1,355,000 | 1,300,000 |
| Securities available for sale | 13,794,000 | 16,819,000 | 18,823,000 | 21,154,000 |
| Securities held to maturity | 103,000 | 102,000 | 102,000 | 102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,433,000 | 94,533,000 | 94,787,000 | 92,317,000 |
| Interest-bearing deposits | 79,164,000 | 85,431,000 | 86,675,000 | 83,359,000 |
| Noninterest-bearing deposits | 8,269,000 | 9,102,000 | 8,113,000 | 8,958,000 |
| Equity capital | 9,328,000 | 9,487,000 | 9,631,000 | 11,650,000 |
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 | 1,482,000 | 2,973,000 | 4,430,000 | 5,830,000 |
| Interest expense | 385,000 | 766,000 | 1,139,000 | 1,486,000 |
| Net interest income | 1,097,000 | 2,207,000 | 3,291,000 | 4,344,000 |
| Noninterest income | 149,000 | 282,000 | 408,000 | 546,000 |
| Noninterest expense | 974,000 | 2,019,000 | 2,955,000 | 4,503,000 |
| Provision for loan losses | 220,000 | 220,000 | 220,000 | 220,000 |
| Pretax income | 52,000 | 250,000 | 524,000 | 86,000 |
| Income tax | 37,000 | 56,000 | 66,000 | -352,000 |
| Net income | 15,000 | 194,000 | 458,000 | 438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,899,000 | 9,063,000 | 9,244,000 | 10,850,000 |
| Total capital | 9,986,000 | 10,115,000 | 10,259,000 | 11,840,000 |
| Risk-weighted assets | 86,690,000 | 83,841,000 | 80,873,000 | 78,801,000 |