Call reports 2004
RANCHO BERNARDO COMMUNITY BANK — 2004
What RANCHO BERNARDO COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,698,000 | 107,678,000 | 108,512,000 | 107,513,000 |
| Total loans | 75,730,000 | 83,507,000 | 84,631,000 | 81,433,000 |
| Allowance for loan losses | 1,234,000 | 1,221,000 | 1,143,000 | 1,263,000 |
| Securities available for sale | 15,269,000 | 15,940,000 | 18,178,000 | 18,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,930,000 | 97,514,000 | 97,689,000 | 96,357,000 |
| Interest-bearing deposits | 69,108,000 | 77,251,000 | 69,565,000 | 75,990,000 |
| Noninterest-bearing deposits | 20,822,000 | 20,263,000 | 28,124,000 | 20,366,000 |
| Equity capital | 8,748,000 | 8,880,000 | 9,456,000 | 9,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 3,101,000 | 4,816,000 | 6,571,000 |
| Interest expense | 239,000 | 502,000 | 801,000 | 1,108,000 |
| Net interest income | 1,253,000 | 2,599,000 | 4,015,000 | 5,463,000 |
| Noninterest income | 113,000 | 176,000 | 235,000 | 322,000 |
| Noninterest expense | 735,000 | 1,481,000 | 2,280,000 | 3,036,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 165,000 |
| Pretax income | 628,000 | 1,276,000 | 1,937,000 | 2,596,000 |
| Income tax | 256,000 | 528,000 | 789,000 | 1,068,000 |
| Net income | 372,000 | 748,000 | 1,148,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,609,000 | 9,057,000 | 9,354,000 | 9,735,000 |
| Total capital | 9,613,000 | 10,167,000 | 10,448,000 | 10,819,000 |
| Risk-weighted assets | 80,119,000 | 88,688,000 | 87,395,000 | 86,487,000 |