Call reports 2004
SAN DIEGO TRUST BANK — 2004
What SAN DIEGO TRUST BANK 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 | 27,277,000 | 40,381,000 | 53,642,000 | 53,002,000 |
| Total loans | 11,398,000 | 24,679,000 | 30,089,000 | 34,116,000 |
| Allowance for loan losses | 144,000 | 310,000 | 378,000 | 427,000 |
| Securities available for sale | 2,925,000 | 3,391,000 | 3,394,000 | 2,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,809,000 | 30,318,000 | 43,696,000 | 43,057,000 |
| Interest-bearing deposits | 12,111,000 | 24,796,000 | 36,735,000 | 33,711,000 |
| Noninterest-bearing deposits | 4,698,000 | 5,522,000 | 6,961,000 | 9,346,000 |
| Equity capital | 10,434,000 | 10,024,000 | 9,883,000 | 9,898,000 |
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 | 163,000 | 439,000 | 935,000 | 1,555,000 |
| Interest expense | 23,000 | 69,000 | 156,000 | 259,000 |
| Net interest income | 140,000 | 370,000 | 779,000 | 1,296,000 |
| Noninterest income | 4,000 | 22,000 | 28,000 | 54,000 |
| Noninterest expense | 449,000 | 911,000 | 1,406,000 | 1,877,000 |
| Provision for loan losses | 110,000 | 276,000 | 344,000 | 393,000 |
| Pretax income | -415,000 | -795,000 | -943,000 | -920,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -415,000 | -796,000 | -944,000 | -921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,423,000 | 10,042,000 | 9,894,000 | 9,916,000 |
| Total capital | 10,567,000 | 10,352,000 | 10,272,000 | 10,343,000 |
| Risk-weighted assets | 15,388,000 | 29,100,000 | 36,696,000 | 42,980,000 |