Call reports 2005
COMMUNITY BANK OF CENTRAL CALIFORNIA — 2005
What COMMUNITY BANK OF CENTRAL CALIFORNIA 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 | 1,160,969,000 | 1,241,404,000 | 1,219,507,000 | 1,245,675,000 |
| Total loans | 924,559,000 | 930,332,000 | 916,887,000 | 969,702,000 |
| Allowance for loan losses | 17,281,000 | 17,514,000 | 17,550,000 | 21,111,000 |
| Securities available for sale | 179,423,000 | 191,796,000 | 212,528,000 | 213,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,054,591,000 | 1,125,165,000 | 1,098,959,000 | 1,118,790,000 |
| Interest-bearing deposits | 787,234,000 | 828,196,000 | 801,171,000 | 758,354,000 |
| Noninterest-bearing deposits | 267,357,000 | 296,968,000 | 297,787,000 | 360,436,000 |
| Equity capital | 95,983,000 | 101,210,000 | 101,969,000 | 106,448,000 |
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 | 16,526,000 | 34,488,000 | 53,727,000 | 74,045,000 |
| Interest expense | 3,573,000 | 7,716,000 | 12,236,000 | 17,032,000 |
| Net interest income | 12,953,000 | 26,772,000 | 41,491,000 | 57,013,000 |
| Noninterest income | 994,000 | 2,124,000 | 3,261,000 | 4,325,000 |
| Noninterest expense | 6,689,000 | 13,940,000 | 21,019,000 | 27,071,000 |
| Provision for loan losses | 1,150,000 | 1,400,000 | 1,400,000 | 1,400,000 |
| Pretax income | 6,120,000 | 13,568,000 | 22,345,000 | 32,879,000 |
| Income tax | 2,322,000 | 5,207,000 | 8,513,000 | 12,833,000 |
| Net income | 3,798,000 | 8,361,000 | 13,832,000 | 20,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,515,000 | 101,078,000 | 102,049,000 | 108,262,000 |
| Total capital | 108,900,000 | 113,708,000 | 114,500,000 | 121,474,000 |
| Risk-weighted assets | 985,469,000 | 1,005,063,000 | 990,480,000 | 1,048,560,000 |