Call reports 2005
SANTA LUCIA BANK — 2005
What SANTA LUCIA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 223,493,000 | 223,813,000 | 235,574,000 | 231,419,000 |
| Total loans | 136,770,000 | 150,091,000 | 154,637,000 | 154,033,000 |
| Allowance for loan losses | 1,245,000 | 1,356,000 | 1,400,000 | 1,470,000 |
| Securities available for sale | 50,213,000 | 48,544,000 | 47,180,000 | 41,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,334,000 | 206,022,000 | 216,676,000 | 206,879,000 |
| Interest-bearing deposits | 119,868,000 | 118,415,000 | 122,504,000 | 120,190,000 |
| Noninterest-bearing deposits | 86,466,000 | 87,607,000 | 94,172,000 | 86,689,000 |
| Equity capital | 13,760,000 | 14,622,000 | 15,277,000 | 15,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,007,000 | 6,287,000 | 9,921,000 | 13,546,000 |
| Interest expense | 406,000 | 884,000 | 1,424,000 | 1,984,000 |
| Net interest income | 2,601,000 | 5,403,000 | 8,497,000 | 11,562,000 |
| Noninterest income | 244,000 | 496,000 | 790,000 | 1,058,000 |
| Noninterest expense | 1,843,000 | 3,748,000 | 5,730,000 | 7,808,000 |
| Provision for loan losses | 60,000 | 170,000 | 230,000 | 300,000 |
| Pretax income | 936,000 | 1,975,000 | 3,321,000 | 4,506,000 |
| Income tax | 359,000 | 763,000 | 1,295,000 | 1,759,000 |
| Net income | 577,000 | 1,212,000 | 2,026,000 | 2,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,164,000 | 14,823,000 | 15,597,000 | 16,351,000 |
| Total capital | 17,454,000 | 18,234,000 | 19,052,000 | 19,876,000 |
| Risk-weighted assets | 166,092,000 | 172,569,000 | 177,632,000 | 175,328,000 |