Call reports 2001
CALIFORNIA OAKS STATE BANK — 2001
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 54,025,000 | 56,456,000 | 55,996,000 | 61,066,000 |
| Total loans | 29,381,000 | 30,490,000 | 31,183,000 | 35,193,000 |
| Allowance for loan losses | 257,000 | 268,000 | 270,000 | 298,000 |
| Securities available for sale | 1,973,000 | 11,758,000 | 12,392,000 | 14,699,000 |
| Securities held to maturity | 7,350,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,327,000 | 52,701,000 | 52,085,000 | 57,582,000 |
| Interest-bearing deposits | 34,371,000 | 37,861,000 | 36,333,000 | 38,149,000 |
| Noninterest-bearing deposits | 15,956,000 | 14,840,000 | 15,753,000 | 19,433,000 |
| Equity capital | 3,594,000 | 3,642,000 | 3,811,000 | 3,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,860,000 | 2,758,000 | 3,674,000 |
| Interest expense | 233,000 | 444,000 | 619,000 | 742,000 |
| Net interest income | 686,000 | 1,416,000 | 2,139,000 | 2,932,000 |
| Noninterest income | 52,000 | 104,000 | 154,000 | 223,000 |
| Noninterest expense | 718,000 | 1,445,000 | 2,175,000 | 3,243,000 |
| Provision for loan losses | 26,000 | 38,000 | 40,000 | 68,000 |
| Pretax income | -5,000 | 38,000 | 79,000 | -155,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -6,000 | 37,000 | 78,000 | -156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,640,000 | 3,683,000 | 3,724,000 | 3,490,000 |
| Total capital | 3,897,000 | 3,951,000 | 3,994,000 | 3,788,000 |
| Risk-weighted assets | 35,487,000 | 37,939,000 | 38,106,000 | 42,542,000 |