Call reports 2004
MISSION OAKS NATIONAL BANK — 2004
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,728,000 | 99,983,000 | 107,817,000 | 115,657,000 |
| Total loans | 71,611,000 | 68,331,000 | 74,652,000 | 83,013,000 |
| Allowance for loan losses | 901,000 | 941,000 | 951,000 | 1,050,000 |
| Securities available for sale | 15,473,000 | 18,261,000 | 21,468,000 | 22,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,885,000 | 84,648,000 | 92,095,000 | 96,090,000 |
| Interest-bearing deposits | 62,465,000 | 61,498,000 | 67,770,000 | 63,342,000 |
| Noninterest-bearing deposits | 22,420,000 | 23,150,000 | 24,325,000 | 32,748,000 |
| Equity capital | 10,053,000 | 10,385,000 | 10,813,000 | 11,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,260,000 | 2,604,000 | 4,036,000 | 5,708,000 |
| Interest expense | 203,000 | 443,000 | 715,000 | 1,007,000 |
| Net interest income | 1,057,000 | 2,161,000 | 3,321,000 | 4,701,000 |
| Noninterest income | 587,000 | 1,316,000 | 1,820,000 | 2,778,000 |
| Noninterest expense | 1,118,000 | 2,247,000 | 3,373,000 | 4,622,000 |
| Provision for loan losses | 60,000 | 100,000 | 110,000 | 213,000 |
| Pretax income | 466,000 | 1,132,000 | 1,660,000 | 2,646,000 |
| Income tax | 180,000 | 442,000 | 646,000 | 1,043,000 |
| Net income | 286,000 | 690,000 | 1,014,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,019,000 | 10,450,000 | 10,772,000 | 11,549,000 |
| Total capital | 10,965,000 | 11,393,000 | 11,792,000 | 12,666,000 |
| Risk-weighted assets | 75,682,000 | 75,381,000 | 81,585,000 | 89,360,000 |