Call reports 2005
SAN DIEGO COMMUNITY BANK — 2005
What SAN DIEGO COMMUNITY 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 | 84,748,000 | 86,942,000 | 87,523,000 | 95,308,000 |
| Total loans | 68,070,000 | 67,590,000 | 70,190,000 | 73,903,000 |
| Allowance for loan losses | 743,000 | 736,000 | 737,000 | 736,000 |
| Securities available for sale | 2,635,000 | 2,423,000 | 2,160,000 | 1,747,000 |
| Securities held to maturity | 1,760,000 | 1,561,000 | 1,399,000 | 1,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,918,000 | 71,831,000 | 68,582,000 | 76,580,000 |
| Interest-bearing deposits | 48,553,000 | 53,149,000 | 52,285,000 | 56,177,000 |
| Noninterest-bearing deposits | 16,365,000 | 18,682,000 | 16,296,000 | 20,402,000 |
| Equity capital | 11,356,000 | 11,565,000 | 11,810,000 | 12,177,000 |
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 | 1,245,000 | 2,681,000 | 4,233,000 | 5,894,000 |
| Interest expense | 202,000 | 481,000 | 793,000 | 1,117,000 |
| Net interest income | 1,043,000 | 2,200,000 | 3,440,000 | 4,777,000 |
| Noninterest income | 173,000 | 335,000 | 497,000 | 659,000 |
| Noninterest expense | 989,000 | 1,960,000 | 2,944,000 | 4,053,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 227,000 | 575,000 | 993,000 | 1,383,000 |
| Income tax | 92,000 | 235,000 | 405,000 | 434,000 |
| Net income | 135,000 | 340,000 | 588,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,368,000 | 11,578,000 | 11,825,000 | 12,185,000 |
| Total capital | 12,111,000 | 12,321,000 | 12,568,000 | 12,928,000 |
| Risk-weighted assets | 61,488,000 | 62,591,000 | 63,685,000 | 67,992,000 |