Call reports 2008
SAN DIEGO TRUST BANK — 2008
What SAN DIEGO TRUST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,485,000 | 108,122,000 | 106,855,000 | 112,358,000 |
| Total loans | 70,611,000 | 67,968,000 | 63,680,000 | 60,741,000 |
| Allowance for loan losses | 885,000 | 885,000 | 900,000 | 880,000 |
| Securities available for sale | 20,120,000 | 17,202,000 | 19,800,000 | 30,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,938,000 | 89,719,000 | 88,327,000 | 88,150,000 |
| Interest-bearing deposits | 66,740,000 | 63,740,000 | 65,647,000 | 65,612,000 |
| Noninterest-bearing deposits | 23,198,000 | 25,979,000 | 22,680,000 | 22,538,000 |
| Equity capital | 14,990,000 | 15,052,000 | 15,111,000 | 15,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,165,000 | 4,646,000 | 6,071,000 |
| Interest expense | 401,000 | 691,000 | 966,000 | 1,259,000 |
| Net interest income | 1,234,000 | 2,474,000 | 3,680,000 | 4,812,000 |
| Noninterest income | 70,000 | 141,000 | 245,000 | 341,000 |
| Noninterest expense | 1,059,000 | 2,121,000 | 3,215,000 | 4,288,000 |
| Provision for loan losses | 0 | 0 | 15,000 | -5,000 |
| Pretax income | 245,000 | 494,000 | 674,000 | 849,000 |
| Income tax | 95,000 | 194,000 | 263,000 | 325,000 |
| Net income | 150,000 | 300,000 | 411,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,883,000 | 15,153,000 | 15,281,000 | 15,408,000 |
| Total capital | 15,792,000 | 16,062,000 | 16,205,000 | 16,304,000 |
| Risk-weighted assets | 93,454,000 | 90,590,000 | 85,927,000 | 89,278,000 |