Call reports 2001
SANTA LUCIA BANK — 2001
What SANTA LUCIA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 120,431,000 | 123,042,000 | 128,835,000 | 133,023,000 |
| Total loans | 80,951,000 | 81,992,000 | 83,370,000 | 88,678,000 |
| Allowance for loan losses | 972,000 | 997,000 | 1,007,000 | 1,010,000 |
| Securities available for sale | 16,118,000 | 12,528,000 | 18,128,000 | 21,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,161,000 | 111,930,000 | 117,134,000 | 121,459,000 |
| Interest-bearing deposits | 75,529,000 | 74,713,000 | 78,263,000 | 78,423,000 |
| Noninterest-bearing deposits | 33,632,000 | 37,217,000 | 38,871,000 | 43,036,000 |
| Equity capital | 10,190,000 | 10,534,000 | 10,730,000 | 10,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,676,000 | 6,872,000 | 8,885,000 |
| Interest expense | 690,000 | 1,358,000 | 1,968,000 | 2,467,000 |
| Net interest income | 1,723,000 | 3,318,000 | 4,904,000 | 6,418,000 |
| Noninterest income | 221,000 | 457,000 | 751,000 | 1,019,000 |
| Noninterest expense | 1,231,000 | 2,477,000 | 3,756,000 | 5,122,000 |
| Provision for loan losses | 60,000 | 100,000 | 110,000 | 110,000 |
| Pretax income | 653,000 | 1,198,000 | 1,789,000 | 2,205,000 |
| Income tax | 246,000 | 441,000 | 655,000 | 797,000 |
| Net income | 407,000 | 757,000 | 1,134,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,798,000 | 10,313,000 | 10,366,000 | 10,687,000 |
| Total capital | 10,770,000 | 11,310,000 | 11,373,000 | 11,697,000 |
| Risk-weighted assets | 96,185,000 | 101,153,000 | 103,375,000 | 108,615,000 |