Call reports 2005
MISSION OAKS NATIONAL BANK — 2005
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 121,526,000 | 133,453,000 | 142,687,000 | 151,186,000 |
| Total loans | 89,848,000 | 88,075,000 | 90,057,000 | 93,092,000 |
| Allowance for loan losses | 1,160,000 | 1,210,000 | 1,201,000 | 1,190,000 |
| Securities available for sale | 21,897,000 | 21,031,000 | 23,440,000 | 31,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,595,000 | 115,741,000 | 124,628,000 | 132,466,000 |
| Interest-bearing deposits | 74,190,000 | 79,925,000 | 90,028,000 | 87,397,000 |
| Noninterest-bearing deposits | 30,405,000 | 35,816,000 | 34,600,000 | 45,069,000 |
| Equity capital | 11,821,000 | 12,493,000 | 12,978,000 | 13,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,832,000 | 3,827,000 | 6,066,000 | 8,434,000 |
| Interest expense | 329,000 | 725,000 | 1,201,000 | 1,725,000 |
| Net interest income | 1,503,000 | 3,102,000 | 4,865,000 | 6,709,000 |
| Noninterest income | 656,000 | 1,232,000 | 1,831,000 | 2,572,000 |
| Noninterest expense | 1,354,000 | 2,799,000 | 4,195,000 | 5,625,000 |
| Provision for loan losses | 110,000 | 160,000 | 204,000 | 286,000 |
| Pretax income | 695,000 | 1,375,000 | 2,297,000 | 3,370,000 |
| Income tax | 276,000 | 545,000 | 914,000 | 1,339,000 |
| Net income | 419,000 | 830,000 | 1,383,000 | 2,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,979,000 | 12,590,000 | 13,146,000 | 13,793,000 |
| Total capital | 13,196,000 | 13,839,000 | 14,417,000 | 15,053,000 |
| Risk-weighted assets | 97,347,000 | 99,868,000 | 105,923,000 | 108,800,000 |