Call reports 2003
COMMUNITY BANK OF CENTRAL CALIFORNIA — 2003
What COMMUNITY BANK OF CENTRAL CALIFORNIA 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 | 927,878,000 | 944,315,000 | 963,325,000 | 1,031,080,000 |
| Total loans | 714,656,000 | 728,149,000 | 744,673,000 | 779,129,000 |
| Allowance for loan losses | 15,304,000 | 15,466,000 | 16,272,000 | 16,590,000 |
| Securities available for sale | 94,918,000 | 105,669,000 | 151,607,000 | 152,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 843,298,000 | 857,526,000 | 875,556,000 | 941,655,000 |
| Interest-bearing deposits | 626,512,000 | 623,702,000 | 632,200,000 | 616,130,000 |
| Noninterest-bearing deposits | 216,786,000 | 233,823,000 | 243,356,000 | 325,525,000 |
| Equity capital | 74,459,000 | 77,639,000 | 79,253,000 | 82,837,000 |
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 | 12,155,000 | 24,132,000 | 36,585,000 | 49,008,000 |
| Interest expense | 3,068,000 | 5,980,000 | 8,824,000 | 11,566,000 |
| Net interest income | 9,087,000 | 18,152,000 | 27,761,000 | 37,442,000 |
| Noninterest income | 1,000,000 | 2,314,000 | 3,666,000 | 4,987,000 |
| Noninterest expense | 5,584,000 | 11,482,000 | 17,441,000 | 23,390,000 |
| Provision for loan losses | 0 | 300,000 | 930,000 | 1,475,000 |
| Pretax income | 4,503,000 | 8,938,000 | 13,486,000 | 18,154,000 |
| Income tax | 1,576,000 | 3,129,000 | 4,718,000 | 6,469,000 |
| Net income | 2,927,000 | 5,809,000 | 8,768,000 | 11,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,612,000 | 75,561,000 | 78,581,000 | 81,563,000 |
| Total capital | 82,290,000 | 85,355,000 | 88,687,000 | 92,172,000 |
| Risk-weighted assets | 768,607,000 | 777,839,000 | 802,303,000 | 842,755,000 |
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