Call reports 2005
RANCHO BERNARDO COMMUNITY BANK — 2005
What RANCHO BERNARDO COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 113,778,000 | 124,483,000 |
| Total loans | 90,050,000 | 90,831,000 |
| Allowance for loan losses | 1,114,000 | 1,213,000 |
| Securities available for sale | 19,027,000 | 18,059,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 101,362,000 | 112,558,000 |
| Interest-bearing deposits | 81,394,000 | 89,412,000 |
| Noninterest-bearing deposits | 19,968,000 | 23,146,000 |
| Equity capital | 10,006,000 | 10,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Interest income | 1,784,000 | 3,839,000 |
| Interest expense | 356,000 | 849,000 |
| Net interest income | 1,428,000 | 2,990,000 |
| Noninterest income | 50,000 | 163,000 |
| Noninterest expense | 876,000 | 1,813,000 |
| Provision for loan losses | 99,000 | 198,000 |
| Pretax income | 503,000 | 1,142,000 |
| Income tax | 204,000 | 469,000 |
| Net income | 299,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 9,815,000 | 10,596,000 |
| Total capital | 10,989,000 | 11,843,000 |
| Risk-weighted assets | 93,887,000 | 99,898,000 |