Call reports 2009
SAN DIEGO TRUST BANK — 2009
What SAN DIEGO TRUST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,701,000 | 118,130,000 | 130,817,000 | 152,141,000 |
| Total loans | 59,713,000 | 58,657,000 | 52,426,000 | 54,889,000 |
| Allowance for loan losses | 1,200,000 | 1,300,000 | 1,450,000 | 1,550,000 |
| Securities available for sale | 35,250,000 | 37,332,000 | 41,303,000 | 63,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,306,000 | 100,910,000 | 109,122,000 | 116,935,000 |
| Interest-bearing deposits | 70,553,000 | 73,166,000 | 84,444,000 | 91,703,000 |
| Noninterest-bearing deposits | 24,753,000 | 27,744,000 | 24,678,000 | 25,232,000 |
| Equity capital | 15,766,000 | 16,228,000 | 16,501,000 | 16,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 3,050,000 | 4,475,000 | 6,093,000 |
| Interest expense | 249,000 | 459,000 | 681,000 | 919,000 |
| Net interest income | 1,245,000 | 2,591,000 | 3,794,000 | 5,174,000 |
| Noninterest income | 114,000 | 218,000 | 348,000 | 451,000 |
| Noninterest expense | 1,338,000 | 2,766,000 | 4,111,000 | 5,189,000 |
| Provision for loan losses | 320,000 | 420,000 | 870,000 | 970,000 |
| Pretax income | 198,000 | 429,000 | 708,000 | 1,017,000 |
| Income tax | 72,000 | 162,000 | 274,000 | 385,000 |
| Net income | 126,000 | 267,000 | 434,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,550,000 | 15,721,000 | 15,919,000 | 16,158,000 |
| Total capital | 16,748,000 | 16,901,000 | 16,912,000 | 17,234,000 |
| Risk-weighted assets | 95,862,000 | 94,265,000 | 78,992,000 | 85,626,000 |