Call reports 2003
ENCINO STATE BANK — 2003
What ENCINO STATE 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 | 149,608,000 | 154,912,000 | 162,836,000 | 172,489,000 |
| Total loans | 84,333,000 | 91,479,000 | 86,937,000 | 91,920,000 |
| Allowance for loan losses | 745,000 | 790,000 | 805,000 | 703,000 |
| Securities available for sale | 0 | 0 | 38,964,000 | 44,390,000 |
| Securities held to maturity | 28,226,000 | 36,917,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,576,000 | 144,809,000 | 152,718,000 | 161,888,000 |
| Interest-bearing deposits | 97,624,000 | 99,223,000 | 100,526,000 | 107,625,000 |
| Noninterest-bearing deposits | 41,953,000 | 45,587,000 | 52,192,000 | 54,263,000 |
| Equity capital | 9,690,000 | 9,948,000 | 9,906,000 | 10,326,000 |
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 | 1,790,000 | 3,692,000 | 5,542,000 | 7,317,000 |
| Interest expense | 344,000 | 692,000 | 1,021,000 | 1,327,000 |
| Net interest income | 1,446,000 | 3,000,000 | 4,521,000 | 5,990,000 |
| Noninterest income | 153,000 | 308,000 | 454,000 | 604,000 |
| Noninterest expense | 1,210,000 | 2,438,000 | 3,611,000 | 4,831,000 |
| Provision for loan losses | 30,000 | 75,000 | 90,000 | 90,000 |
| Pretax income | 359,000 | 795,000 | 986,000 | 1,385,000 |
| Income tax | 147,000 | 326,000 | 413,000 | 581,000 |
| Net income | 212,000 | 469,000 | 573,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,690,000 | 9,948,000 | 10,056,000 | 10,640,000 |
| Total capital | 10,435,000 | 10,738,000 | 10,861,000 | 11,445,000 |
| Risk-weighted assets | 94,009,000 | 101,435,000 | 100,458,000 | 106,266,000 |