Call reports 2004
SANTA LUCIA BANK — 2004
What SANTA LUCIA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 190,436,000 | 200,375,000 | 203,650,000 | 211,684,000 |
| Total loans | 115,286,000 | 112,293,000 | 118,487,000 | 126,786,000 |
| Allowance for loan losses | 1,142,000 | 1,172,000 | 1,150,000 | 1,200,000 |
| Securities available for sale | 45,716,000 | 56,760,000 | 61,052,000 | 57,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,051,000 | 184,453,000 | 186,694,000 | 194,868,000 |
| Interest-bearing deposits | 100,357,000 | 108,349,000 | 110,012,000 | 111,840,000 |
| Noninterest-bearing deposits | 73,694,000 | 76,104,000 | 76,682,000 | 83,028,000 |
| Equity capital | 13,045,000 | 12,852,000 | 13,471,000 | 13,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,350,000 | 4,758,000 | 7,384,000 | 10,220,000 |
| Interest expense | 318,000 | 641,000 | 981,000 | 1,343,000 |
| Net interest income | 2,032,000 | 4,117,000 | 6,403,000 | 8,877,000 |
| Noninterest income | 368,000 | 633,000 | 874,000 | 1,190,000 |
| Noninterest expense | 1,712,000 | 3,458,000 | 5,180,000 | 7,060,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 110,000 |
| Pretax income | 658,000 | 1,232,000 | 2,037,000 | 2,898,000 |
| Income tax | 243,000 | 449,000 | 750,000 | 1,076,000 |
| Net income | 415,000 | 783,000 | 1,287,000 | 1,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,796,000 | 13,167,000 | 13,322,000 | 13,917,000 |
| Total capital | 15,973,000 | 16,374,000 | 16,517,000 | 17,162,000 |
| Risk-weighted assets | 141,434,000 | 141,831,000 | 151,129,000 | 158,194,000 |