Call reports 2005
CALIFORNIA OAKS STATE BANK — 2005
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,029,000 | 93,210,000 | 101,012,000 | 96,583,000 |
| Total loans | 67,435,000 | 75,486,000 | 77,717,000 | 76,306,000 |
| Allowance for loan losses | 641,000 | 688,000 | 736,000 | 926,000 |
| Securities available for sale | 8,800,000 | 8,292,000 | 7,656,000 | 7,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,662,000 | 81,558,000 | 88,899,000 | 83,746,000 |
| Interest-bearing deposits | 44,502,000 | 41,820,000 | 48,917,000 | 48,955,000 |
| Noninterest-bearing deposits | 37,160,000 | 39,738,000 | 39,982,000 | 34,791,000 |
| Equity capital | 11,077,000 | 11,287,000 | 11,642,000 | 12,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,895,000 | 4,632,000 | 6,485,000 |
| Interest expense | 38,000 | 101,000 | 196,000 | 345,000 |
| Net interest income | 1,327,000 | 2,794,000 | 4,436,000 | 6,140,000 |
| Noninterest income | 192,000 | 363,000 | 650,000 | 766,000 |
| Noninterest expense | 1,421,000 | 2,870,000 | 4,426,000 | 5,961,000 |
| Provision for loan losses | 46,000 | 93,000 | 140,000 | 325,000 |
| Pretax income | 52,000 | 194,000 | 520,000 | 620,000 |
| Income tax | 0 | 1,000 | 1,000 | -499,000 |
| Net income | 52,000 | 193,000 | 519,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,320,000 | 11,461,000 | 11,837,000 | 12,483,000 |
| Total capital | 12,038,000 | 12,223,000 | 12,638,000 | 13,467,000 |
| Risk-weighted assets | 77,568,000 | 83,371,000 | 85,885,000 | 84,943,000 |