Call reports 2001
RANCHO BERNARDO COMMUNITY BANK — 2001
What RANCHO BERNARDO COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 76,879,000 | 74,989,000 | 81,205,000 | 81,333,000 |
| Total loans | 53,525,000 | 54,792,000 | 64,351,000 | 64,577,000 |
| Allowance for loan losses | 727,000 | 737,000 | 746,000 | 918,000 |
| Securities available for sale | 7,440,000 | 10,835,000 | 9,473,000 | 11,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,898,000 | 67,282,000 | 72,732,000 | 72,939,000 |
| Interest-bearing deposits | 56,190,000 | 53,895,000 | 52,994,000 | 53,621,000 |
| Noninterest-bearing deposits | 12,708,000 | 13,387,000 | 19,738,000 | 19,318,000 |
| Equity capital | 6,610,000 | 6,669,000 | 6,765,000 | 6,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,162,000 | 4,677,000 | 6,121,000 |
| Interest expense | 646,000 | 1,270,000 | 1,826,000 | 2,307,000 |
| Net interest income | 982,000 | 1,892,000 | 2,851,000 | 3,814,000 |
| Noninterest income | 103,000 | 185,000 | 268,000 | 470,000 |
| Noninterest expense | 784,000 | 1,619,000 | 2,466,000 | 3,227,000 |
| Provision for loan losses | 66,000 | 132,000 | 294,000 | 498,000 |
| Pretax income | 235,000 | 326,000 | 366,000 | 566,000 |
| Income tax | 95,000 | 132,000 | 148,000 | 231,000 |
| Net income | 140,000 | 194,000 | 218,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,534,000 | 6,684,000 | 6,615,000 | 6,733,000 |
| Total capital | 7,232,000 | 7,352,000 | 7,361,000 | 7,535,000 |
| Risk-weighted assets | 55,778,000 | 53,385,000 | 65,184,000 | 64,010,000 |