Call reports 2006
MISSION OAKS NATIONAL BANK — 2006
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,908,000 | 158,273,000 | 168,312,000 | 184,421,000 |
| Total loans | 89,518,000 | 104,767,000 | 117,350,000 | 133,228,000 |
| Allowance for loan losses | 1,263,000 | 1,372,000 | 1,512,000 | 1,675,000 |
| Securities available for sale | 30,284,000 | 34,247,000 | 33,824,000 | 33,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,915,000 | 122,155,000 | 135,078,000 | 138,803,000 |
| Interest-bearing deposits | 84,331,000 | 84,248,000 | 99,473,000 | 100,947,000 |
| Noninterest-bearing deposits | 37,584,000 | 37,907,000 | 35,604,000 | 37,856,000 |
| Equity capital | 14,595,000 | 21,066,000 | 22,016,000 | 22,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 5,012,000 | 8,271,000 | 11,610,000 |
| Interest expense | 563,000 | 1,173,000 | 2,141,000 | 3,180,000 |
| Net interest income | 1,876,000 | 3,839,000 | 6,130,000 | 8,430,000 |
| Noninterest income | 1,192,000 | 1,777,000 | 2,303,000 | 3,085,000 |
| Noninterest expense | 1,665,000 | 3,263,000 | 4,927,000 | 6,595,000 |
| Provision for loan losses | 72,000 | 180,000 | 319,000 | 542,000 |
| Pretax income | 1,331,000 | 2,173,000 | 3,187,000 | 4,378,000 |
| Income tax | 536,000 | 865,000 | 1,263,000 | 1,725,000 |
| Net income | 795,000 | 1,308,000 | 1,924,000 | 2,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,948,000 | 21,525,000 | 22,200,000 | 22,979,000 |
| Total capital | 16,255,000 | 22,967,000 | 23,782,000 | 24,724,000 |
| Risk-weighted assets | 104,556,000 | 118,495,000 | 131,127,000 | 144,016,000 |