Call reports 2011
SANTA LUCIA BANK — 2011
What SANTA LUCIA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 |
|---|---|---|---|
| Total assets | 246,032,000 | 242,107,000 | 232,279,000 |
| Total loans | 179,211,000 | 162,161,000 | 151,449,000 |
| Allowance for loan losses | 10,467,000 | 9,364,000 | 9,473,000 |
| Securities available for sale | 31,089,000 | 23,918,000 | 21,700,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 232,164,000 | 228,089,000 | 218,125,000 |
| Interest-bearing deposits | 162,703,000 | 154,918,000 | 145,996,000 |
| Noninterest-bearing deposits | 69,461,000 | 73,171,000 | 72,129,000 |
| Equity capital | 11,972,000 | 12,164,000 | 12,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 |
|---|---|---|---|
| Interest income | 2,692,000 | 5,249,000 | 7,635,000 |
| Interest expense | 335,000 | 618,000 | 865,000 |
| Net interest income | 2,357,000 | 4,631,000 | 6,770,000 |
| Noninterest income | 158,000 | 343,000 | 446,000 |
| Noninterest expense | 2,407,000 | 4,896,000 | 7,215,000 |
| Provision for loan losses | 370,000 | 530,000 | 530,000 |
| Pretax income | -262,000 | -347,000 | -424,000 |
| Income tax | 0 | 273,000 | 274,000 |
| Net income | -262,000 | -620,000 | -698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 |
|---|---|---|---|
| Tier 1 capital | 12,342,000 | 12,128,000 | 12,050,000 |
| Total capital | 14,650,000 | 14,259,000 | 14,022,000 |
| Risk-weighted assets | 176,382,000 | 163,119,000 | 150,292,000 |