Call reports 2008
PACIFIC COMMERCE BANK — 2008
What PACIFIC COMMERCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,254,000 | 161,913,000 | 165,410,000 | 187,281,000 |
| Total loans | 128,711,000 | 136,612,000 | 140,054,000 | 151,635,000 |
| Allowance for loan losses | 1,542,000 | 1,698,000 | 1,804,000 | 4,135,000 |
| Securities available for sale | 17,965,000 | 15,925,000 | 16,244,000 | 14,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,656,000 | 115,445,000 | 133,072,000 | 148,002,000 |
| Interest-bearing deposits | 94,900,000 | 99,131,000 | 116,207,000 | 131,856,000 |
| Noninterest-bearing deposits | 14,756,000 | 16,314,000 | 16,865,000 | 16,146,000 |
| Equity capital | 16,732,000 | 16,618,000 | 16,981,000 | 19,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,397,000 | 4,756,000 | 7,210,000 | 9,548,000 |
| Interest expense | 1,015,000 | 1,873,000 | 2,714,000 | 3,500,000 |
| Net interest income | 1,382,000 | 2,883,000 | 4,496,000 | 6,048,000 |
| Noninterest income | 70,000 | 132,000 | 193,000 | 264,000 |
| Noninterest expense | 1,355,000 | 2,727,000 | 4,174,000 | 5,606,000 |
| Provision for loan losses | 143,000 | 299,000 | 450,000 | 2,806,000 |
| Pretax income | 5,000 | 40,000 | 116,000 | -1,992,000 |
| Income tax | -179,000 | -269,000 | -359,000 | -453,000 |
| Net income | 184,000 | 309,000 | 475,000 | -1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,635,000 | 15,514,000 | 15,963,000 | 17,939,000 |
| Total capital | 17,199,000 | 17,165,000 | 17,662,000 | 19,820,000 |
| Risk-weighted assets | 125,134,000 | 131,904,000 | 135,632,000 | 148,110,000 |
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