Call reports 2007
SANTA LUCIA BANK — 2007
What SANTA LUCIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 245,707,000 | 242,121,000 | 251,498,000 | 248,337,000 |
| Total loans | 162,136,000 | 160,176,000 | 160,785,000 | 168,293,000 |
| Allowance for loan losses | 1,731,000 | 1,724,000 | 1,682,000 | 1,673,000 |
| Securities available for sale | 39,894,000 | 48,825,000 | 54,978,000 | 56,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,745,000 | 215,544,000 | 224,119,000 | 214,175,000 |
| Interest-bearing deposits | 137,730,000 | 136,113,000 | 139,081,000 | 137,074,000 |
| Noninterest-bearing deposits | 82,015,000 | 79,431,000 | 85,038,000 | 77,101,000 |
| Equity capital | 22,527,000 | 23,072,000 | 23,718,000 | 24,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,410,000 | 8,769,000 | 13,271,000 | 17,594,000 |
| Interest expense | 1,044,000 | 2,127,000 | 3,259,000 | 4,412,000 |
| Net interest income | 3,366,000 | 6,642,000 | 10,012,000 | 13,182,000 |
| Noninterest income | 292,000 | 546,000 | 792,000 | 1,071,000 |
| Noninterest expense | 2,236,000 | 4,415,000 | 6,673,000 | 8,971,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,422,000 | 2,773,000 | 4,131,000 | 5,282,000 |
| Income tax | 555,000 | 1,079,000 | 1,630,000 | 2,076,000 |
| Net income | 867,000 | 1,694,000 | 2,501,000 | 3,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,777,000 | 23,547,000 | 23,820,000 | 24,482,000 |
| Total capital | 26,163,000 | 26,926,000 | 26,757,000 | 27,410,000 |
| Risk-weighted assets | 189,856,000 | 190,992,000 | 193,928,000 | 198,597,000 |