Call reports 2004
CALIFORNIA OAKS STATE BANK — 2004
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 83,087,000 | 83,737,000 | 83,575,000 | 87,421,000 |
| Total loans | 51,226,000 | 58,487,000 | 61,927,000 | 64,946,000 |
| Allowance for loan losses | 502,000 | 603,000 | 603,000 | 595,000 |
| Securities available for sale | 11,893,000 | 11,054,000 | 10,569,000 | 9,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,992,000 | 77,023,000 | 76,698,000 | 76,342,000 |
| Interest-bearing deposits | 38,359,000 | 39,031,000 | 40,397,000 | 41,300,000 |
| Noninterest-bearing deposits | 38,633,000 | 37,992,000 | 36,301,000 | 35,042,000 |
| Equity capital | 5,847,000 | 6,502,000 | 6,648,000 | 10,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,242,000 | 3,483,000 | 4,775,000 |
| Interest expense | 31,000 | 65,000 | 102,000 | 139,000 |
| Net interest income | 1,078,000 | 2,177,000 | 3,381,000 | 4,636,000 |
| Noninterest income | 340,000 | 1,709,000 | 1,902,000 | 1,995,000 |
| Noninterest expense | 1,486,000 | 3,018,000 | 4,508,000 | 6,058,000 |
| Provision for loan losses | 25,000 | 43,000 | 43,000 | 43,000 |
| Pretax income | -70,000 | 848,000 | 757,000 | 555,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -70,000 | 847,000 | 756,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,913,000 | 6,830,000 | 6,760,000 | 10,629,000 |
| Total capital | 6,466,000 | 7,484,000 | 7,421,000 | 11,282,000 |
| Risk-weighted assets | 60,580,000 | 65,940,000 | 70,401,000 | 73,818,000 |