Call reports 2006
CALIFORNIA OAKS STATE BANK — 2006
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 106,040,000 | 107,511,000 | 113,148,000 | 114,059,000 |
| Total loans | 78,601,000 | 85,718,000 | 87,825,000 | 89,684,000 |
| Allowance for loan losses | 980,000 | 1,037,000 | 1,038,000 | 1,042,000 |
| Securities available for sale | 6,830,000 | 6,444,000 | 6,179,000 | 7,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,178,000 | 89,214,000 | 91,196,000 | 91,248,000 |
| Interest-bearing deposits | 50,088,000 | 49,472,000 | 55,075,000 | 52,099,000 |
| Noninterest-bearing deposits | 38,090,000 | 39,742,000 | 36,121,000 | 39,149,000 |
| Equity capital | 12,500,000 | 12,819,000 | 13,509,000 | 14,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,927,000 | 4,004,000 | 6,208,000 | 8,581,000 |
| Interest expense | 219,000 | 511,000 | 827,000 | 1,307,000 |
| Net interest income | 1,708,000 | 3,493,000 | 5,381,000 | 7,274,000 |
| Noninterest income | 119,000 | 312,000 | 454,000 | 712,000 |
| Noninterest expense | 1,586,000 | 3,171,000 | 4,768,000 | 6,390,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 170,000 |
| Pretax income | 190,000 | 532,000 | 914,000 | 1,426,000 |
| Income tax | 5,000 | 5,000 | -194,000 | -193,000 |
| Net income | 185,000 | 527,000 | 1,108,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,743,000 | 13,122,000 | 13,724,000 | 14,272,000 |
| Total capital | 13,788,000 | 14,222,000 | 14,837,000 | 15,382,000 |
| Risk-weighted assets | 87,990,000 | 94,116,000 | 96,891,000 | 99,044,000 |