Call reports 2004
SAN DIEGO COMMUNITY BANK — 2004
What SAN DIEGO COMMUNITY 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 | 61,684,000 | 60,663,000 | 67,387,000 | 75,764,000 |
| Total loans | 33,474,000 | 42,718,000 | 55,539,000 | 58,866,000 |
| Allowance for loan losses | 679,000 | 680,000 | 657,000 | 736,000 |
| Securities available for sale | 7,797,000 | 5,848,000 | 3,120,000 | 2,893,000 |
| Securities held to maturity | 0 | 2,263,000 | 2,070,000 | 1,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,058,000 | 48,170,000 | 55,965,000 | 59,127,000 |
| Interest-bearing deposits | 30,135,000 | 31,541,000 | 38,753,000 | 43,602,000 |
| Noninterest-bearing deposits | 18,923,000 | 16,629,000 | 17,212,000 | 15,525,000 |
| Equity capital | 10,781,000 | 10,485,000 | 10,943,000 | 11,222,000 |
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 | 787,000 | 1,520,000 | 2,430,000 | 3,642,000 |
| Interest expense | 92,000 | 179,000 | 282,000 | 434,000 |
| Net interest income | 695,000 | 1,341,000 | 2,148,000 | 3,208,000 |
| Noninterest income | 801,000 | 956,000 | 1,586,000 | 1,772,000 |
| Noninterest expense | 1,144,000 | 2,208,000 | 3,190,000 | 4,149,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 334,000 | 53,000 | 484,000 | 771,000 |
| Income tax | 0 | 1,000 | 3,000 | 8,000 |
| Net income | 334,000 | 52,000 | 481,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,789,000 | 10,496,000 | 10,951,000 | 11,233,000 |
| Total capital | 11,266,000 | 11,031,000 | 11,588,000 | 11,900,000 |
| Risk-weighted assets | 37,992,000 | 42,637,000 | 50,979,000 | 53,352,000 |