Call reports 2008
SANTA LUCIA BANK — 2008
What SANTA LUCIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 248,219,000 | 249,060,000 | 253,508,000 | 251,582,000 |
| Total loans | 168,778,000 | 180,088,000 | 186,578,000 | 188,942,000 |
| Allowance for loan losses | 1,616,000 | 1,656,000 | 1,791,000 | 2,310,000 |
| Securities available for sale | 47,839,000 | 45,492,000 | 40,841,000 | 38,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,405,000 | 210,902,000 | 215,306,000 | 213,796,000 |
| Interest-bearing deposits | 138,720,000 | 134,502,000 | 141,224,000 | 138,641,000 |
| Noninterest-bearing deposits | 75,685,000 | 76,400,000 | 74,082,000 | 75,155,000 |
| Equity capital | 25,002,000 | 24,868,000 | 24,795,000 | 29,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,048,000 | 7,785,000 | 11,576,000 | 15,268,000 |
| Interest expense | 1,089,000 | 1,991,000 | 2,855,000 | 3,649,000 |
| Net interest income | 2,959,000 | 5,794,000 | 8,721,000 | 11,619,000 |
| Noninterest income | 247,000 | 510,000 | 758,000 | 1,003,000 |
| Noninterest expense | 2,377,000 | 4,738,000 | 7,142,000 | 9,622,000 |
| Provision for loan losses | 0 | 40,000 | 200,000 | 975,000 |
| Pretax income | 937,000 | 1,634,000 | 2,245,000 | 2,133,000 |
| Income tax | 362,000 | 630,000 | 849,000 | 782,000 |
| Net income | 575,000 | 1,004,000 | 1,396,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,302,000 | 24,683,000 | 24,548,000 | 28,583,000 |
| Total capital | 27,173,000 | 27,594,000 | 27,194,000 | 31,748,000 |
| Risk-weighted assets | 196,427,000 | 202,403,000 | 208,506,000 | 209,331,000 |