Call reports 2010
SANTA LUCIA BANK — 2010
What SANTA LUCIA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 267,266,000 | 265,006,000 | 264,505,000 | 249,577,000 |
| Total loans | 202,778,000 | 202,557,000 | 195,631,000 | 187,749,000 |
| Allowance for loan losses | 11,226,000 | 7,729,000 | 9,715,000 | 10,999,000 |
| Securities available for sale | 39,729,000 | 38,800,000 | 33,468,000 | 32,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,466,000 | 244,298,000 | 248,093,000 | 235,410,000 |
| Interest-bearing deposits | 177,580,000 | 178,554,000 | 177,521,000 | 167,082,000 |
| Noninterest-bearing deposits | 68,886,000 | 65,744,000 | 70,572,000 | 68,328,000 |
| Equity capital | 17,732,000 | 17,993,000 | 13,641,000 | 12,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,337,000 | 6,549,000 | 9,599,000 | 12,584,000 |
| Interest expense | 650,000 | 1,262,000 | 1,799,000 | 2,218,000 |
| Net interest income | 2,687,000 | 5,287,000 | 7,800,000 | 10,366,000 |
| Noninterest income | 214,000 | 471,000 | 700,000 | 1,022,000 |
| Noninterest expense | 2,373,000 | 5,227,000 | 7,840,000 | 10,486,000 |
| Provision for loan losses | 8,748,000 | 8,748,000 | 13,448,000 | 15,198,000 |
| Pretax income | -8,220,000 | -8,002,000 | -12,573,000 | -13,708,000 |
| Income tax | 562,000 | 562,000 | 562,000 | 562,000 |
| Net income | -8,782,000 | -8,564,000 | -13,135,000 | -14,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,474,000 | 17,707,000 | 13,172,000 | 12,574,000 |
| Total capital | 20,195,000 | 20,356,000 | 15,714,000 | 14,976,000 |
| Risk-weighted assets | 209,076,000 | 206,805,000 | 196,118,000 | 183,499,000 |