Call reports 2007
SAN DIEGO TRUST BANK — 2007
What SAN DIEGO TRUST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,203,000 | 96,377,000 | 99,056,000 | 106,393,000 |
| Total loans | 69,844,000 | 72,344,000 | 69,687,000 | 71,058,000 |
| Allowance for loan losses | 847,000 | 847,000 | 847,000 | 885,000 |
| Securities available for sale | 7,902,000 | 7,840,000 | 6,885,000 | 12,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,996,000 | 76,982,000 | 83,714,000 | 90,599,000 |
| Interest-bearing deposits | 59,035,000 | 59,098,000 | 60,076,000 | 65,357,000 |
| Noninterest-bearing deposits | 19,961,000 | 17,884,000 | 23,638,000 | 25,242,000 |
| Equity capital | 13,847,000 | 14,312,000 | 14,572,000 | 14,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,599,000 | 3,270,000 | 4,974,000 | 6,761,000 |
| Interest expense | 439,000 | 930,000 | 1,378,000 | 1,878,000 |
| Net interest income | 1,160,000 | 2,340,000 | 3,596,000 | 4,883,000 |
| Noninterest income | 56,000 | 115,000 | 169,000 | 227,000 |
| Noninterest expense | 813,000 | 1,637,000 | 2,615,000 | 3,738,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 403,000 | 818,000 | 1,150,000 | 1,334,000 |
| Income tax | 169,000 | 345,000 | 489,000 | 566,000 |
| Net income | 234,000 | 473,000 | 661,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,764,000 | 14,188,000 | 14,416,000 | 14,416,000 |
| Total capital | 14,630,000 | 15,056,000 | 15,287,000 | 15,325,000 |
| Risk-weighted assets | 83,259,000 | 86,531,000 | 85,507,000 | 88,530,000 |