Call reports 2007
PACIFIC COMMERCE BANK — 2007
What PACIFIC COMMERCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,647,000 | 124,393,000 | 135,350,000 | 152,959,000 |
| Total loans | 90,153,000 | 101,016,000 | 110,412,000 | 120,264,000 |
| Allowance for loan losses | 897,000 | 1,085,000 | 1,341,000 | 1,399,000 |
| Securities available for sale | 11,487,000 | 13,224,000 | 11,653,000 | 19,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,081,000 | 97,515,000 | 114,111,000 | 120,767,000 |
| Interest-bearing deposits | 82,803,000 | 69,369,000 | 94,382,000 | 103,296,000 |
| Noninterest-bearing deposits | 15,278,000 | 28,147,000 | 19,730,000 | 17,472,000 |
| Equity capital | 15,834,000 | 16,071,000 | 16,252,000 | 16,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,834,000 | 3,868,000 | 6,186,000 | 8,611,000 |
| Interest expense | 781,000 | 1,626,000 | 2,650,000 | 3,709,000 |
| Net interest income | 1,053,000 | 2,242,000 | 3,536,000 | 4,902,000 |
| Noninterest income | 47,000 | 112,000 | 162,000 | 237,000 |
| Noninterest expense | 1,079,000 | 2,175,000 | 3,345,000 | 4,661,000 |
| Provision for loan losses | 108,000 | 257,000 | 513,000 | 757,000 |
| Pretax income | -87,000 | -78,000 | -160,000 | -279,000 |
| Income tax | -497,000 | -641,000 | -785,000 | -929,000 |
| Net income | 410,000 | 563,000 | 625,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,787,000 | 15,921,000 | 15,837,000 | 15,788,000 |
| Total capital | 16,782,000 | 17,066,000 | 17,107,000 | 17,250,000 |
| Risk-weighted assets | 80,336,000 | 92,246,000 | 101,675,000 | 116,803,000 |
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