Call reports 2003
MISSION OAKS NATIONAL BANK — 2003
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,707,000 | 74,815,000 | 80,621,000 | 92,873,000 |
| Total loans | 46,740,000 | 51,665,000 | 56,932,000 | 66,538,000 |
| Allowance for loan losses | 565,000 | 640,000 | 715,000 | 840,000 |
| Securities available for sale | 12,653,000 | 15,620,000 | 17,563,000 | 16,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,248,000 | 66,896,000 | 71,490,000 | 75,122,000 |
| Interest-bearing deposits | 46,110,000 | 50,746,000 | 51,434,000 | 55,327,000 |
| Noninterest-bearing deposits | 16,138,000 | 16,150,000 | 20,056,000 | 19,795,000 |
| Equity capital | 7,051,000 | 7,323,000 | 8,402,000 | 9,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,923,000 | 2,997,000 | 4,172,000 |
| Interest expense | 207,000 | 435,000 | 645,000 | 842,000 |
| Net interest income | 703,000 | 1,488,000 | 2,352,000 | 3,330,000 |
| Noninterest income | 335,000 | 788,000 | 1,332,000 | 2,024,000 |
| Noninterest expense | 778,000 | 1,642,000 | 2,567,000 | 3,613,000 |
| Provision for loan losses | 70,000 | 145,000 | 220,000 | 366,000 |
| Pretax income | 190,000 | 489,000 | 897,000 | 1,375,000 |
| Income tax | -35,000 | -13,000 | 156,000 | 348,000 |
| Net income | 225,000 | 502,000 | 741,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,011,000 | 7,285,000 | 8,448,000 | 9,737,000 |
| Total capital | 7,636,000 | 7,946,000 | 9,170,000 | 10,601,000 |
| Risk-weighted assets | 51,717,000 | 52,817,000 | 57,743,000 | 69,276,000 |