Call reports 2012
SAN DIEGO TRUST BANK — 2012
What SAN DIEGO TRUST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 219,731,000 | 218,452,000 | 219,639,000 | 242,032,000 |
| Total loans | 38,921,000 | 35,085,000 | 34,470,000 | 37,225,000 |
| Allowance for loan losses | 1,463,000 | 1,338,000 | 1,213,000 | 1,013,000 |
| Securities available for sale | 153,822,000 | 150,161,000 | 146,597,000 | 135,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,515,000 | 180,471,000 | 179,958,000 | 187,902,000 |
| Interest-bearing deposits | 121,878,000 | 125,563,000 | 121,424,000 | 124,819,000 |
| Noninterest-bearing deposits | 51,637,000 | 54,908,000 | 58,534,000 | 63,083,000 |
| Equity capital | 23,529,000 | 24,692,000 | 25,657,000 | 25,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,648,000 | 5,352,000 | 7,012,000 |
| Interest expense | 142,000 | 283,000 | 407,000 | 517,000 |
| Net interest income | 1,699,000 | 3,365,000 | 4,945,000 | 6,495,000 |
| Noninterest income | 145,000 | 261,000 | 373,000 | 495,000 |
| Noninterest expense | 1,332,000 | 2,685,000 | 4,061,000 | 5,495,000 |
| Provision for loan losses | 0 | -125,000 | -250,000 | -450,000 |
| Pretax income | 637,000 | 1,191,000 | 1,760,000 | 2,368,000 |
| Income tax | 153,000 | 275,000 | 407,000 | 553,000 |
| Net income | 484,000 | 916,000 | 1,353,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,548,000 | 20,010,000 | 20,606,000 | 21,168,000 |
| Total capital | 20,531,000 | 20,979,000 | 21,525,000 | 22,100,000 |
| Risk-weighted assets | 78,112,000 | 77,103,000 | 73,211,000 | 74,494,000 |