Call reports 2005
BANK OF WALNUT CREEK — 2005
What BANK OF WALNUT CREEK 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 | 510,942,000 | 520,534,000 | 534,477,000 | 534,096,000 |
| Total loans | 385,432,000 | 392,552,000 | 393,220,000 | 403,143,000 |
| Allowance for loan losses | 7,694,000 | 7,475,000 | 7,486,000 | 7,493,000 |
| Securities available for sale | 48,461,000 | 47,912,000 | 67,160,000 | 93,714,000 |
| Securities held to maturity | 17,826,000 | 15,564,000 | 14,025,000 | 12,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,280,000 | 418,810,000 | 434,328,000 | 425,276,000 |
| Interest-bearing deposits | 268,009,000 | 272,386,000 | 277,469,000 | 272,336,000 |
| Noninterest-bearing deposits | 146,271,000 | 146,424,000 | 156,859,000 | 152,940,000 |
| Equity capital | 44,201,000 | 45,853,000 | 46,720,000 | 47,992,000 |
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 | 7,673,000 | 15,904,000 | 24,727,000 | 34,199,000 |
| Interest expense | 1,371,000 | 3,092,000 | 5,085,000 | 7,161,000 |
| Net interest income | 6,302,000 | 12,812,000 | 19,642,000 | 27,038,000 |
| Noninterest income | 552,000 | 1,124,000 | 1,673,000 | 2,332,000 |
| Noninterest expense | 4,098,000 | 8,150,000 | 12,349,000 | 16,407,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,759,000 | 5,789,000 | 8,969,000 | 12,966,000 |
| Income tax | 1,072,000 | 2,231,000 | 3,416,000 | 5,002,000 |
| Net income | 1,687,000 | 3,558,000 | 5,553,000 | 7,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,717,000 | 46,181,000 | 47,191,000 | 48,602,000 |
| Total capital | 50,345,000 | 51,906,000 | 52,929,000 | 54,498,000 |
| Risk-weighted assets | 448,111,000 | 456,121,000 | 457,166,000 | 469,989,000 |