Call reports 2002
ENCINO STATE BANK — 2002
What ENCINO STATE 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 | 139,613,000 | 135,248,000 | 134,984,000 | 140,568,000 |
| Total loans | 67,054,000 | 69,769,000 | 75,068,000 | 78,224,000 |
| Allowance for loan losses | 665,000 | 700,000 | 710,000 | 715,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,024,000 | 25,115,000 | 36,347,000 | 36,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,734,000 | 126,090,000 | 125,724,000 | 130,944,000 |
| Interest-bearing deposits | 91,177,000 | 85,826,000 | 89,723,000 | 90,995,000 |
| Noninterest-bearing deposits | 39,557,000 | 40,264,000 | 36,001,000 | 39,949,000 |
| Equity capital | 8,664,000 | 8,901,000 | 9,143,000 | 9,465,000 |
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 | 1,546,000 | 3,147,000 | 4,771,000 | 6,509,000 |
| Interest expense | 392,000 | 778,000 | 1,126,000 | 1,473,000 |
| Net interest income | 1,154,000 | 2,369,000 | 3,645,000 | 5,036,000 |
| Noninterest income | 107,000 | 241,000 | 377,000 | 520,000 |
| Noninterest expense | 967,000 | 1,943,000 | 2,929,000 | 3,943,000 |
| Provision for loan losses | 45,000 | 95,000 | 105,000 | 110,000 |
| Pretax income | 249,000 | 572,000 | 988,000 | 1,503,000 |
| Income tax | 111,000 | 245,000 | 419,000 | 631,000 |
| Net income | 138,000 | 327,000 | 569,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,662,000 | 8,900,000 | 9,143,000 | 9,465,000 |
| Total capital | 9,327,000 | 9,600,000 | 9,853,000 | 10,180,000 |
| Risk-weighted assets | 80,296,000 | 80,273,000 | 83,412,000 | 86,963,000 |