Call reports 2002
SANTA LUCIA BANK — 2002
What SANTA LUCIA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 136,913,000 | 153,943,000 | 161,241,000 | 162,720,000 |
| Total loans | 93,803,000 | 96,491,000 | 98,715,000 | 102,532,000 |
| Allowance for loan losses | 1,018,000 | 1,030,000 | 1,042,000 | 1,026,000 |
| Securities available for sale | 17,714,000 | 21,491,000 | 26,547,000 | 33,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,053,000 | 141,872,000 | 148,704,000 | 150,068,000 |
| Interest-bearing deposits | 80,840,000 | 89,017,000 | 91,780,000 | 90,188,000 |
| Noninterest-bearing deposits | 44,213,000 | 52,855,000 | 56,924,000 | 59,880,000 |
| Equity capital | 10,906,000 | 11,356,000 | 11,393,000 | 11,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,954,000 | 4,027,000 | 6,207,000 | 8,421,000 |
| Interest expense | 423,000 | 824,000 | 1,228,000 | 1,614,000 |
| Net interest income | 1,531,000 | 3,203,000 | 4,979,000 | 6,807,000 |
| Noninterest income | 254,000 | 506,000 | 778,000 | 1,089,000 |
| Noninterest expense | 1,441,000 | 2,917,000 | 4,433,000 | 6,069,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 30,000 |
| Pretax income | 476,000 | 909,000 | 1,426,000 | 1,944,000 |
| Income tax | 160,000 | 308,000 | 499,000 | 673,000 |
| Net income | 316,000 | 601,000 | 927,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,780,000 | 11,065,000 | 11,055,000 | 11,460,000 |
| Total capital | 11,798,000 | 12,095,000 | 12,097,000 | 12,516,000 |
| Risk-weighted assets | 114,233,000 | 116,695,000 | 117,876,000 | 121,008,000 |