Call reports 2007
MISSION OAKS NATIONAL BANK — 2007
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 192,859,000 | 202,778,000 | 203,597,000 | 211,485,000 |
| Total loans | 150,165,000 | 156,931,000 | 160,885,000 | 167,805,000 |
| Allowance for loan losses | 1,830,000 | 1,940,000 | 2,025,000 | 2,110,000 |
| Securities available for sale | 30,941,000 | 28,658,000 | 29,029,000 | 29,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,485,000 | 157,010,000 | 160,983,000 | 167,589,000 |
| Interest-bearing deposits | 110,112,000 | 120,928,000 | 127,601,000 | 136,644,000 |
| Noninterest-bearing deposits | 37,373,000 | 36,082,000 | 33,383,000 | 30,945,000 |
| Equity capital | 23,429,000 | 23,996,000 | 24,805,000 | 25,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,548,000 | 7,471,000 | 11,551,000 | 15,629,000 |
| Interest expense | 1,147,000 | 2,503,000 | 3,996,000 | 5,563,000 |
| Net interest income | 2,401,000 | 4,968,000 | 7,555,000 | 10,066,000 |
| Noninterest income | 537,000 | 1,166,000 | 1,657,000 | 2,258,000 |
| Noninterest expense | 1,971,000 | 3,982,000 | 5,997,000 | 7,854,000 |
| Provision for loan losses | 152,000 | 262,000 | 347,000 | 432,000 |
| Pretax income | 815,000 | 1,890,000 | 2,868,000 | 4,039,000 |
| Income tax | 311,000 | 729,000 | 1,107,000 | 1,569,000 |
| Net income | 504,000 | 1,161,000 | 1,761,000 | 2,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,545,000 | 24,258,000 | 24,920,000 | 25,695,000 |
| Total capital | 25,445,000 | 26,268,000 | 27,015,000 | 27,875,000 |
| Risk-weighted assets | 159,368,000 | 165,766,000 | 169,521,000 | 176,774,000 |