Call reports 2003
BANK OF WALNUT CREEK — 2003
What BANK OF WALNUT CREEK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 414,168,000 | 440,236,000 | 456,458,000 | 450,882,000 |
| Total loans | 321,174,000 | 341,923,000 | 337,100,000 | 337,199,000 |
| Allowance for loan losses | 6,032,000 | 5,837,000 | 6,164,000 | 6,692,000 |
| Securities available for sale | 53,977,000 | 57,190,000 | 55,322,000 | 67,720,000 |
| Securities held to maturity | 10,803,000 | 14,854,000 | 15,718,000 | 18,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,965,000 | 368,192,000 | 385,503,000 | 373,625,000 |
| Interest-bearing deposits | 248,263,000 | 258,357,000 | 269,066,000 | 248,429,000 |
| Noninterest-bearing deposits | 101,702,000 | 109,835,000 | 116,437,000 | 125,196,000 |
| Equity capital | 39,466,000 | 40,469,000 | 41,419,000 | 42,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,231,000 | 12,589,000 | 19,253,000 | 25,789,000 |
| Interest expense | 1,090,000 | 2,074,000 | 3,060,000 | 3,989,000 |
| Net interest income | 5,141,000 | 10,515,000 | 16,193,000 | 21,800,000 |
| Noninterest income | 705,000 | 1,362,000 | 1,987,000 | 2,561,000 |
| Noninterest expense | 3,985,000 | 8,156,000 | 12,218,000 | 16,297,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,050,000 | 1,500,000 |
| Pretax income | 1,561,000 | 3,109,000 | 4,900,000 | 6,552,000 |
| Income tax | 577,000 | 1,146,000 | 1,813,000 | 2,393,000 |
| Net income | 984,000 | 1,963,000 | 3,087,000 | 4,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,641,000 | 39,620,000 | 40,757,000 | 41,818,000 |
| Total capital | 43,223,000 | 44,465,000 | 45,648,000 | 46,757,000 |
| Risk-weighted assets | 365,088,000 | 386,613,000 | 389,995,000 | 393,337,000 |