Call reports 2004
BANK OF WALNUT CREEK — 2004
What BANK OF WALNUT CREEK 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 | 482,890,000 | 481,644,000 | 487,458,000 | 485,565,000 |
| Total loans | 357,358,000 | 356,539,000 | 379,430,000 | 380,742,000 |
| Allowance for loan losses | 6,602,000 | 7,655,000 | 7,827,000 | 7,670,000 |
| Securities available for sale | 55,643,000 | 72,572,000 | 65,647,000 | 62,256,000 |
| Securities held to maturity | 18,951,000 | 21,072,000 | 19,276,000 | 17,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,740,000 | 404,720,000 | 396,062,000 | 397,679,000 |
| Interest-bearing deposits | 290,107,000 | 275,822,000 | 266,402,000 | 263,061,000 |
| Noninterest-bearing deposits | 114,633,000 | 128,898,000 | 129,660,000 | 134,618,000 |
| Equity capital | 43,459,000 | 43,565,000 | 45,304,000 | 42,815,000 |
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 | 6,522,000 | 13,099,000 | 19,997,000 | 27,470,000 |
| Interest expense | 1,013,000 | 2,141,000 | 3,158,000 | 4,376,000 |
| Net interest income | 5,509,000 | 10,958,000 | 16,839,000 | 23,094,000 |
| Noninterest income | 646,000 | 1,320,000 | 1,986,000 | 2,532,000 |
| Noninterest expense | 4,057,000 | 8,237,000 | 12,295,000 | 16,383,000 |
| Provision for loan losses | 450,000 | 825,000 | 975,000 | 975,000 |
| Pretax income | 1,662,000 | 3,230,000 | 5,576,000 | 8,289,000 |
| Income tax | 607,000 | 1,163,000 | 2,061,000 | 3,114,000 |
| Net income | 1,055,000 | 2,067,000 | 3,515,000 | 5,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,884,000 | 43,896,000 | 45,344,000 | 43,024,000 |
| Total capital | 48,174,000 | 49,233,000 | 50,802,000 | 48,647,000 |
| Risk-weighted assets | 421,247,000 | 424,671,000 | 434,246,000 | 447,692,000 |