Call reports 2002
MISSION OAKS NATIONAL BANK — 2002
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 39,979,000 | 43,045,000 | 54,713,000 | 58,401,000 |
| Total loans | 25,063,000 | 30,831,000 | 38,645,000 | 43,984,000 |
| Allowance for loan losses | 325,000 | 355,000 | 450,000 | 495,000 |
| Securities available for sale | 6,963,000 | 4,056,000 | 5,042,000 | 9,003,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,483,000 | 36,377,000 | 47,854,000 | 51,116,000 |
| Interest-bearing deposits | 24,022,000 | 26,396,000 | 35,389,000 | 38,432,000 |
| Noninterest-bearing deposits | 9,460,000 | 9,981,000 | 12,465,000 | 12,684,000 |
| Equity capital | 6,355,000 | 6,459,000 | 6,537,000 | 6,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,134,000 | 1,835,000 | 2,645,000 |
| Interest expense | 129,000 | 258,000 | 413,000 | 608,000 |
| Net interest income | 401,000 | 876,000 | 1,422,000 | 2,037,000 |
| Noninterest income | 105,000 | 209,000 | 489,000 | 730,000 |
| Noninterest expense | 495,000 | 1,055,000 | 1,704,000 | 2,458,000 |
| Provision for loan losses | 35,000 | 65,000 | 160,000 | 205,000 |
| Pretax income | -24,000 | -26,000 | 56,000 | 113,000 |
| Income tax | 0 | 0 | 0 | -224,000 |
| Net income | -24,000 | -26,000 | 56,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,428,000 | 6,426,000 | 6,506,000 | 6,786,000 |
| Total capital | 6,768,000 | 6,811,000 | 7,001,000 | 7,341,000 |
| Risk-weighted assets | 29,201,000 | 33,095,000 | 41,393,000 | 47,004,000 |