Call reports 2009
SANTA LUCIA BANK — 2009
What SANTA LUCIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,718,000 | 271,282,000 | 264,724,000 | 269,518,000 |
| Total loans | 197,323,000 | 198,504,000 | 202,237,000 | 201,485,000 |
| Allowance for loan losses | 2,132,000 | 2,174,000 | 2,477,000 | 3,386,000 |
| Securities available for sale | 37,363,000 | 33,886,000 | 37,589,000 | 40,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,484,000 | 233,732,000 | 232,293,000 | 239,980,000 |
| Interest-bearing deposits | 151,392,000 | 162,518,000 | 164,687,000 | 170,130,000 |
| Noninterest-bearing deposits | 71,092,000 | 71,214,000 | 67,606,000 | 69,850,000 |
| Equity capital | 28,718,000 | 28,981,000 | 29,182,000 | 26,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,462,000 | 7,034,000 | 10,497,000 | 13,848,000 |
| Interest expense | 737,000 | 1,508,000 | 2,241,000 | 2,937,000 |
| Net interest income | 2,725,000 | 5,526,000 | 8,256,000 | 10,911,000 |
| Noninterest income | 231,000 | 467,000 | 728,000 | 1,010,000 |
| Noninterest expense | 2,396,000 | 4,884,000 | 7,224,000 | 9,685,000 |
| Provision for loan losses | 240,000 | 350,000 | 750,000 | 5,460,000 |
| Pretax income | 412,000 | 851,000 | 1,102,000 | -2,999,000 |
| Income tax | 144,000 | 303,000 | 382,000 | -1,327,000 |
| Net income | 268,000 | 548,000 | 720,000 | -1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,231,000 | 28,546,000 | 28,689,000 | 26,276,000 |
| Total capital | 31,218,000 | 31,575,000 | 31,454,000 | 29,223,000 |
| Risk-weighted assets | 215,989,000 | 218,465,000 | 218,829,000 | 221,751,000 |