Call reports 2002
RANCHO BERNARDO COMMUNITY BANK — 2002
What RANCHO BERNARDO COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,915,000 | 86,896,000 | 79,763,000 | 81,615,000 |
| Total loans | 66,266,000 | 60,699,000 | 59,953,000 | 64,669,000 |
| Allowance for loan losses | 1,010,000 | 1,089,000 | 1,182,000 | 1,146,000 |
| Securities available for sale | 11,338,000 | 10,773,000 | 15,719,000 | 12,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,934,000 | 77,742,000 | 70,366,000 | 71,823,000 |
| Interest-bearing deposits | 60,121,000 | 59,933,000 | 46,931,000 | 53,458,000 |
| Noninterest-bearing deposits | 16,813,000 | 17,809,000 | 23,435,000 | 18,365,000 |
| Equity capital | 6,876,000 | 7,074,000 | 7,255,000 | 7,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,780,000 | 4,180,000 | 5,564,000 |
| Interest expense | 426,000 | 836,000 | 1,198,000 | 1,504,000 |
| Net interest income | 953,000 | 1,944,000 | 2,982,000 | 4,060,000 |
| Noninterest income | 89,000 | 214,000 | 286,000 | 539,000 |
| Noninterest expense | 825,000 | 1,713,000 | 2,568,000 | 3,725,000 |
| Provision for loan losses | 104,000 | 194,000 | 286,000 | 286,000 |
| Pretax income | 113,000 | 251,000 | 414,000 | 588,000 |
| Income tax | 47,000 | 104,000 | 167,000 | 240,000 |
| Net income | 66,000 | 147,000 | 247,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,851,000 | 6,932,000 | 7,050,000 | 7,149,000 |
| Total capital | 7,663,000 | 7,686,000 | 7,811,000 | 7,980,000 |
| Risk-weighted assets | 64,786,000 | 59,990,000 | 60,433,000 | 66,142,000 |