Call reports 2007
CALIFORNIA OAKS STATE BANK — 2007
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 109,086,000 | 107,603,000 | 102,345,000 | 106,522,000 |
| Total loans | 86,771,000 | 85,919,000 | 81,355,000 | 87,659,000 |
| Allowance for loan losses | 1,073,000 | 936,000 | 985,000 | 982,000 |
| Securities available for sale | 7,730,000 | 7,451,000 | 7,273,000 | 6,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,944,000 | 89,242,000 | 83,732,000 | 76,829,000 |
| Interest-bearing deposits | 53,511,000 | 53,865,000 | 49,001,000 | 42,674,000 |
| Noninterest-bearing deposits | 37,433,000 | 35,377,000 | 34,731,000 | 34,155,000 |
| Equity capital | 14,612,000 | 14,882,000 | 15,067,000 | 15,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,252,000 | 4,479,000 | 6,647,000 | 8,804,000 |
| Interest expense | 411,000 | 840,000 | 1,238,000 | 1,602,000 |
| Net interest income | 1,841,000 | 3,639,000 | 5,409,000 | 7,202,000 |
| Noninterest income | 171,000 | 463,000 | 649,000 | 927,000 |
| Noninterest expense | 1,658,000 | 3,377,000 | 5,156,000 | 6,954,000 |
| Provision for loan losses | 31,000 | 107,000 | 153,000 | 663,000 |
| Pretax income | 323,000 | 618,000 | 749,000 | 512,000 |
| Income tax | 123,000 | 239,000 | 337,000 | 249,000 |
| Net income | 200,000 | 379,000 | 412,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,695,000 | 14,993,000 | 15,126,000 | 15,103,000 |
| Total capital | 15,835,000 | 15,998,000 | 16,186,000 | 16,167,000 |
| Risk-weighted assets | 95,380,000 | 95,441,000 | 89,424,000 | 94,558,000 |