Call reports 2008
CALIFORNIA OAKS STATE BANK — 2008
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 131,600,000 | 123,840,000 | 123,242,000 | 121,366,000 |
| Total loans | 103,216,000 | 104,551,000 | 105,057,000 | 107,596,000 |
| Allowance for loan losses | 1,367,000 | 1,258,000 | 1,184,000 | 2,345,000 |
| Securities available for sale | 8,557,000 | 7,682,000 | 5,108,000 | 4,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,375,000 | 90,750,000 | 90,015,000 | 90,312,000 |
| Interest-bearing deposits | 58,558,000 | 55,190,000 | 58,138,000 | 60,329,000 |
| Noninterest-bearing deposits | 34,817,000 | 35,560,000 | 31,877,000 | 29,983,000 |
| Equity capital | 15,210,000 | 15,276,000 | 15,389,000 | 14,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 4,073,000 | 6,062,000 | 7,883,000 |
| Interest expense | 406,000 | 878,000 | 1,356,000 | 1,849,000 |
| Net interest income | 1,582,000 | 3,195,000 | 4,706,000 | 6,034,000 |
| Noninterest income | 228,000 | 453,000 | 607,000 | 848,000 |
| Noninterest expense | 1,706,000 | 3,235,000 | 4,728,000 | 6,347,000 |
| Provision for loan losses | 110,000 | 219,000 | 359,000 | 1,648,000 |
| Pretax income | -6,000 | 194,000 | 251,000 | -1,088,000 |
| Income tax | -2,000 | 76,000 | 110,000 | 0 |
| Net income | -4,000 | 118,000 | 141,000 | -1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,194,000 | 15,341,000 | 15,390,000 | 13,591,000 |
| Total capital | 16,620,000 | 16,665,000 | 16,629,000 | 15,040,000 |
| Risk-weighted assets | 114,045,000 | 114,176,000 | 113,422,000 | 114,327,000 |