Call reports 2009
PACIFIC COMMERCE BANK — 2009
What PACIFIC COMMERCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 180,795,000 | 186,978,000 | 193,593,000 | 200,479,000 |
| Total loans | 146,717,000 | 150,219,000 | 148,628,000 | 146,068,000 |
| Allowance for loan losses | 2,363,000 | 2,715,000 | 3,266,000 | 4,027,000 |
| Securities available for sale | 22,463,000 | 25,481,000 | 30,027,000 | 41,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,939,000 | 158,464,000 | 168,293,000 | 170,006,000 |
| Interest-bearing deposits | 132,617,000 | 141,304,000 | 145,531,000 | 145,792,000 |
| Noninterest-bearing deposits | 16,322,000 | 17,160,000 | 22,763,000 | 24,214,000 |
| Equity capital | 19,380,000 | 19,203,000 | 19,280,000 | 18,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,395,000 | 6,662,000 | 8,896,000 |
| Interest expense | 678,000 | 1,208,000 | 1,676,000 | 2,067,000 |
| Net interest income | 1,556,000 | 3,187,000 | 4,986,000 | 6,829,000 |
| Noninterest income | 140,000 | 229,000 | 386,000 | 649,000 |
| Noninterest expense | 1,479,000 | 2,997,000 | 4,532,000 | 6,006,000 |
| Provision for loan losses | 280,000 | 630,000 | 1,180,000 | 2,800,000 |
| Pretax income | -28,000 | -36,000 | -3,000 | -858,000 |
| Income tax | -103,000 | -206,000 | -196,000 | -100,000 |
| Net income | 75,000 | 170,000 | 193,000 | -758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,141,000 | 17,930,000 | 17,984,000 | 17,040,000 |
| Total capital | 19,965,000 | 19,767,000 | 19,870,000 | 18,927,000 |
| Risk-weighted assets | 145,251,000 | 145,986,000 | 149,410,000 | 148,701,000 |
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