Call reports 2006
SANTA LUCIA BANK — 2006
What SANTA LUCIA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 232,998,000 | 237,202,000 | 235,958,000 | 240,298,000 |
| Total loans | 164,666,000 | 171,441,000 | 173,270,000 | 171,334,000 |
| Allowance for loan losses | 1,554,000 | 1,615,000 | 1,599,000 | 1,654,000 |
| Securities available for sale | 39,900,000 | 36,864,000 | 36,733,000 | 42,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,064,000 | 213,711,000 | 210,194,000 | 214,943,000 |
| Interest-bearing deposits | 123,133,000 | 122,361,000 | 125,787,000 | 128,691,000 |
| Noninterest-bearing deposits | 89,931,000 | 91,350,000 | 84,407,000 | 86,252,000 |
| Equity capital | 16,322,000 | 20,147,000 | 20,921,000 | 21,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,840,000 | 7,976,000 | 12,432,000 | 17,019,000 |
| Interest expense | 643,000 | 1,446,000 | 2,370,000 | 3,377,000 |
| Net interest income | 3,197,000 | 6,530,000 | 10,062,000 | 13,642,000 |
| Noninterest income | 257,000 | 519,000 | 766,000 | 1,010,000 |
| Noninterest expense | 2,087,000 | 4,163,000 | 6,267,000 | 8,473,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,307,000 | 2,766,000 | 4,381,000 | 5,939,000 |
| Income tax | 515,000 | 1,098,000 | 1,745,000 | 2,369,000 |
| Net income | 792,000 | 1,668,000 | 2,636,000 | 3,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,820,000 | 20,705,000 | 21,298,000 | 22,266,000 |
| Total capital | 20,429,000 | 24,375,000 | 24,552,000 | 25,575,000 |
| Risk-weighted assets | 187,884,000 | 193,725,000 | 194,182,000 | 194,846,000 |