Call reports 2004
ENCINO STATE BANK — 2004
What ENCINO STATE 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 |
|---|---|---|---|
| Total assets | 181,023,000 | 188,915,000 | 189,076,000 |
| Total loans | 93,486,000 | 96,353,000 | 93,315,000 |
| Allowance for loan losses | 713,000 | 748,000 | 771,000 |
| Securities available for sale | 51,966,000 | 63,985,000 | 55,820,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 169,548,000 | 177,875,000 | 179,487,000 |
| Interest-bearing deposits | 102,858,000 | 120,120,000 | 112,263,000 |
| Noninterest-bearing deposits | 66,690,000 | 57,754,000 | 67,224,000 |
| Equity capital | 11,061,000 | 10,822,000 | 9,322,000 |
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 |
|---|---|---|---|
| Interest income | 1,807,000 | 3,663,000 | 5,581,000 |
| Interest expense | 300,000 | 623,000 | 947,000 |
| Net interest income | 1,507,000 | 3,040,000 | 4,634,000 |
| Noninterest income | 155,000 | 312,000 | 467,000 |
| Noninterest expense | 1,246,000 | 2,465,000 | 6,006,000 |
| Provision for loan losses | 10,000 | 57,000 | 80,000 |
| Pretax income | 406,000 | 830,000 | -985,000 |
| Income tax | 170,000 | 349,000 | 420,000 |
| Net income | 236,000 | 481,000 | -1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 11,146,000 | 11,395,000 | 9,507,000 |
| Total capital | 11,981,000 | 12,263,000 | 10,397,000 |
| Risk-weighted assets | 110,441,000 | 112,826,000 | 110,995,000 |