Call reports 2008
MISSION OAKS NATIONAL BANK — 2008
What MISSION OAKS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 217,789,000 | 210,736,000 | 220,922,000 | 220,102,000 |
| Total loans | 166,924,000 | 164,536,000 | 169,117,000 | 169,709,000 |
| Allowance for loan losses | 2,090,000 | 2,624,000 | 2,450,000 | 3,100,000 |
| Securities available for sale | 33,543,000 | 31,503,000 | 33,982,000 | 33,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,492,000 | 160,894,000 | 170,796,000 | 172,087,000 |
| Interest-bearing deposits | 132,746,000 | 127,062,000 | 138,902,000 | 140,098,000 |
| Noninterest-bearing deposits | 34,746,000 | 33,832,000 | 31,894,000 | 31,988,000 |
| Equity capital | 26,249,000 | 26,209,000 | 26,427,000 | 24,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,821,000 | 7,325,000 | 10,864,000 | 14,210,000 |
| Interest expense | 1,521,000 | 2,809,000 | 4,053,000 | 5,308,000 |
| Net interest income | 2,300,000 | 4,516,000 | 6,811,000 | 8,902,000 |
| Noninterest income | 460,000 | 1,004,000 | 1,628,000 | 978,000 |
| Noninterest expense | 1,882,000 | 3,735,000 | 5,784,000 | 7,805,000 |
| Provision for loan losses | 252,000 | 786,000 | 1,409,000 | 4,593,000 |
| Pretax income | 627,000 | 1,012,000 | 1,259,000 | -2,505,000 |
| Income tax | 239,000 | 380,000 | 464,000 | -1,104,000 |
| Net income | 388,000 | 632,000 | 795,000 | -1,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,080,000 | 26,388,000 | 26,606,000 | 23,832,000 |
| Total capital | 28,240,000 | 28,671,000 | 28,970,000 | 26,164,000 |
| Risk-weighted assets | 180,901,000 | 182,201,000 | 188,969,000 | 185,754,000 |