Call reports 2003
SANTA LUCIA BANK — 2003
What SANTA LUCIA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 172,295,000 | 169,552,000 | 178,285,000 | 184,045,000 |
| Total loans | 107,695,000 | 109,628,000 | 115,074,000 | 111,061,000 |
| Allowance for loan losses | 1,057,000 | 1,074,000 | 1,104,000 | 1,112,000 |
| Securities available for sale | 32,786,000 | 33,411,000 | 34,640,000 | 45,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,215,000 | 156,257,000 | 162,528,000 | 168,251,000 |
| Interest-bearing deposits | 96,040,000 | 94,380,000 | 96,634,000 | 97,973,000 |
| Noninterest-bearing deposits | 63,175,000 | 61,877,000 | 65,894,000 | 70,278,000 |
| Equity capital | 11,856,000 | 12,407,000 | 12,366,000 | 12,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,189,000 | 4,523,000 | 6,815,000 | 9,158,000 |
| Interest expense | 344,000 | 677,000 | 999,000 | 1,324,000 |
| Net interest income | 1,845,000 | 3,846,000 | 5,816,000 | 7,834,000 |
| Noninterest income | 360,000 | 713,000 | 1,031,000 | 1,312,000 |
| Noninterest expense | 1,573,000 | 3,200,000 | 4,846,000 | 6,590,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 115,000 |
| Pretax income | 646,000 | 1,343,000 | 1,955,000 | 2,485,000 |
| Income tax | 236,000 | 467,000 | 690,000 | 873,000 |
| Net income | 410,000 | 876,000 | 1,265,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,563,000 | 12,030,000 | 12,186,000 | 12,666,000 |
| Total capital | 12,650,000 | 13,134,000 | 15,320,000 | 15,813,000 |
| Risk-weighted assets | 124,281,000 | 125,649,000 | 135,246,000 | 135,618,000 |