Call reports 2005
SAN DIEGO TRUST BANK — 2005
What SAN DIEGO TRUST BANK 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 | 59,419,000 | 72,208,000 | 78,926,000 | 83,467,000 |
| Total loans | 40,893,000 | 46,413,000 | 50,558,000 | 54,416,000 |
| Allowance for loan losses | 449,000 | 511,000 | 558,000 | 708,000 |
| Securities available for sale | 2,979,000 | 3,990,000 | 4,967,000 | 3,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,817,000 | 61,361,000 | 67,321,000 | 71,573,000 |
| Interest-bearing deposits | 36,575,000 | 48,450,000 | 54,625,000 | 55,525,000 |
| Noninterest-bearing deposits | 12,242,000 | 12,911,000 | 12,696,000 | 16,048,000 |
| Equity capital | 10,530,000 | 10,694,000 | 11,395,000 | 11,657,000 |
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 | 715,000 | 1,642,000 | 2,727,000 | 3,976,000 |
| Interest expense | 126,000 | 304,000 | 527,000 | 802,000 |
| Net interest income | 589,000 | 1,338,000 | 2,200,000 | 3,174,000 |
| Noninterest income | 33,000 | 70,000 | 119,000 | 169,000 |
| Noninterest expense | 537,000 | 1,119,000 | 1,761,000 | 2,416,000 |
| Provision for loan losses | 22,000 | 84,000 | 131,000 | 281,000 |
| Pretax income | 63,000 | 205,000 | 427,000 | 646,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 63,000 | 204,000 | 426,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,551,000 | 10,704,000 | 11,328,000 | 11,550,000 |
| Total capital | 11,000,000 | 11,215,000 | 11,886,000 | 12,274,000 |
| Risk-weighted assets | 50,855,000 | 58,621,000 | 62,971,000 | 66,414,000 |