Call reports 2003
RANCHO BERNARDO COMMUNITY BANK — 2003
What RANCHO BERNARDO COMMUNITY 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 | 93,361,000 | 87,572,000 | 97,670,000 | 95,021,000 |
| Total loans | 64,701,000 | 61,755,000 | 62,068,000 | 67,696,000 |
| Allowance for loan losses | 1,175,000 | 1,147,000 | 1,215,000 | 1,215,000 |
| Securities available for sale | 11,681,000 | 14,760,000 | 17,228,000 | 20,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,317,000 | 77,531,000 | 87,281,000 | 84,671,000 |
| Interest-bearing deposits | 64,135,000 | 60,868,000 | 65,442,000 | 64,126,000 |
| Noninterest-bearing deposits | 19,182,000 | 16,663,000 | 21,839,000 | 20,545,000 |
| Equity capital | 7,452,000 | 7,665,000 | 7,745,000 | 8,232,000 |
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 | 1,390,000 | 2,772,000 | 4,147,000 | 5,587,000 |
| Interest expense | 295,000 | 605,000 | 881,000 | 1,140,000 |
| Net interest income | 1,095,000 | 2,167,000 | 3,266,000 | 4,447,000 |
| Noninterest income | 63,000 | 178,000 | 242,000 | 304,000 |
| Noninterest expense | 889,000 | 1,747,000 | 2,548,000 | 2,934,000 |
| Provision for loan losses | 48,000 | 96,000 | 128,000 | 128,000 |
| Pretax income | 221,000 | 502,000 | 832,000 | 1,689,000 |
| Income tax | 88,000 | 203,000 | 340,000 | 693,000 |
| Net income | 133,000 | 299,000 | 492,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,282,000 | 7,448,000 | 7,642,000 | 8,146,000 |
| Total capital | 8,143,000 | 8,334,000 | 8,532,000 | 9,097,000 |
| Risk-weighted assets | 68,604,000 | 70,643,000 | 70,925,000 | 75,813,000 |