Call reports 2004
COMMUNITY BANK OF CENTRAL CALIFORNIA — 2004
What COMMUNITY BANK OF CENTRAL CALIFORNIA 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 | 1,014,625,000 | 1,043,032,000 | 1,067,011,000 | 1,157,578,000 |
| Total loans | 770,997,000 | 796,409,000 | 837,191,000 | 928,246,000 |
| Allowance for loan losses | 16,654,000 | 17,232,000 | 14,779,000 | 16,270,000 |
| Securities available for sale | 180,162,000 | 173,799,000 | 175,545,000 | 169,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 919,424,000 | 948,849,000 | 955,874,000 | 1,055,411,000 |
| Interest-bearing deposits | 677,628,000 | 685,388,000 | 693,456,000 | 707,125,000 |
| Noninterest-bearing deposits | 241,796,000 | 263,461,000 | 262,419,000 | 348,287,000 |
| Equity capital | 87,117,000 | 87,010,000 | 92,556,000 | 93,359,000 |
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 | 12,745,000 | 25,949,000 | 39,883,000 | 55,239,000 |
| Interest expense | 2,716,000 | 5,414,000 | 8,267,000 | 11,277,000 |
| Net interest income | 10,029,000 | 20,535,000 | 31,616,000 | 43,962,000 |
| Noninterest income | 995,000 | 2,113,000 | 3,208,000 | 4,440,000 |
| Noninterest expense | 5,960,000 | 11,957,000 | 18,195,000 | 25,182,000 |
| Provision for loan losses | 65,000 | 655,000 | 1,540,000 | 3,041,000 |
| Pretax income | 4,895,000 | 9,932,000 | 14,973,000 | 20,049,000 |
| Income tax | 1,694,000 | 3,436,000 | 5,180,000 | 6,936,000 |
| Net income | 3,201,000 | 6,496,000 | 9,793,000 | 13,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,806,000 | 88,100,000 | 91,397,000 | 92,716,000 |
| Total capital | 95,247,000 | 98,912,000 | 102,856,000 | 105,240,000 |
| Risk-weighted assets | 829,083,000 | 858,570,000 | 913,365,000 | 997,621,000 |