Call reports 2003
SONOMA VALLEY BANK — 2003
What SONOMA VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 194,486,000 | 192,811,000 | 199,479,000 | 205,121,000 |
| Total loans | 124,954,000 | 122,092,000 | 121,812,000 | 122,469,000 |
| Allowance for loan losses | 2,771,000 | 2,773,000 | 2,771,000 | 2,635,000 |
| Securities available for sale | 4,058,000 | 14,046,000 | 13,834,000 | 20,120,000 |
| Securities held to maturity | 10,223,000 | 11,165,000 | 13,621,000 | 16,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,296,000 | 170,661,000 | 176,418,000 | 180,984,000 |
| Interest-bearing deposits | 131,807,000 | 130,582,000 | 139,079,000 | 142,167,000 |
| Noninterest-bearing deposits | 40,489,000 | 40,079,000 | 37,339,000 | 38,817,000 |
| Equity capital | 19,191,000 | 18,999,000 | 19,650,000 | 20,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,681,000 | 5,255,000 | 8,040,000 | 10,630,000 |
| Interest expense | 465,000 | 907,000 | 1,321,000 | 1,723,000 |
| Net interest income | 2,216,000 | 4,348,000 | 6,719,000 | 8,907,000 |
| Noninterest income | 404,000 | 841,000 | 1,296,000 | 1,715,000 |
| Noninterest expense | 1,532,000 | 2,996,000 | 4,671,000 | 6,099,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 1,068,000 | 2,173,000 | 3,324,000 | 4,503,000 |
| Income tax | 356,000 | 728,000 | 1,115,000 | 1,506,000 |
| Net income | 712,000 | 1,445,000 | 2,209,000 | 2,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,109,000 | 18,842,000 | 19,606,000 | 20,394,000 |
| Total capital | 21,115,000 | 20,818,000 | 21,664,000 | 22,493,000 |
| Risk-weighted assets | 159,703,000 | 157,314,000 | 163,964,000 | 167,416,000 |