Call reports 2009
CALIFORNIA OAKS STATE BANK — 2009
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 126,515,000 | 126,890,000 | 130,241,000 | 125,427,000 |
| Total loans | 106,365,000 | 100,134,000 | 96,250,000 | 99,632,000 |
| Allowance for loan losses | 2,005,000 | 1,943,000 | 1,938,000 | 1,940,000 |
| Securities available for sale | 1,928,000 | 1,751,000 | 1,638,000 | 1,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,318,000 | 92,639,000 | 96,044,000 | 97,121,000 |
| Interest-bearing deposits | 62,075,000 | 60,746,000 | 63,780,000 | 67,637,000 |
| Noninterest-bearing deposits | 30,243,000 | 31,893,000 | 32,263,000 | 29,484,000 |
| Equity capital | 17,596,000 | 17,517,000 | 17,573,000 | 16,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,752,000 | 3,387,000 | 5,022,000 | 6,637,000 |
| Interest expense | 461,000 | 857,000 | 1,244,000 | 1,575,000 |
| Net interest income | 1,291,000 | 2,530,000 | 3,778,000 | 5,062,000 |
| Noninterest income | 254,000 | 568,000 | 895,000 | 1,101,000 |
| Noninterest expense | 1,441,000 | 2,952,000 | 4,432,000 | 5,814,000 |
| Provision for loan losses | 60,000 | 155,000 | 185,000 | 686,000 |
| Pretax income | 117,000 | 64,000 | 129,000 | -264,000 |
| Income tax | 0 | 0 | 0 | 299,000 |
| Net income | 117,000 | 64,000 | 129,000 | -563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,000,000 | 16,925,000 | 16,969,000 | 16,851,000 |
| Total capital | 18,434,000 | 18,305,000 | 18,293,000 | 18,225,000 |
| Risk-weighted assets | 114,117,000 | 109,811,000 | 105,254,000 | 109,315,000 |