Call reports 2002
CALIFORNIA OAKS STATE BANK — 2002
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 63,945,000 | 71,346,000 | 73,751,000 | 84,478,000 |
| Total loans | 37,273,000 | 38,977,000 | 42,685,000 | 49,390,000 |
| Allowance for loan losses | 318,000 | 342,000 | 373,000 | 438,000 |
| Securities available for sale | 10,766,000 | 14,300,000 | 15,862,000 | 10,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,039,000 | 65,597,000 | 67,880,000 | 79,711,000 |
| Interest-bearing deposits | 38,133,000 | 40,676,000 | 41,533,000 | 47,453,000 |
| Noninterest-bearing deposits | 21,906,000 | 24,921,000 | 26,347,000 | 32,258,000 |
| Equity capital | 3,798,000 | 5,619,000 | 5,776,000 | 4,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,907,000 | 2,955,000 | 4,050,000 |
| Interest expense | 98,000 | 197,000 | 296,000 | 389,000 |
| Net interest income | 824,000 | 1,710,000 | 2,659,000 | 3,661,000 |
| Noninterest income | 64,000 | 141,000 | 201,000 | 271,000 |
| Noninterest expense | 787,000 | 1,647,000 | 2,575,000 | 4,406,000 |
| Provision for loan losses | 20,000 | 41,000 | 64,000 | 129,000 |
| Pretax income | 81,000 | 164,000 | 222,000 | -588,000 |
| Income tax | 1,000 | 0 | 1,000 | 1,000 |
| Net income | 80,000 | 164,000 | 221,000 | -589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,844,000 | 5,636,000 | 5,693,000 | 4,609,000 |
| Total capital | 4,162,000 | 5,978,000 | 6,066,000 | 5,047,000 |
| Risk-weighted assets | 44,643,000 | 47,765,000 | 51,352,000 | 58,250,000 |