Call reports 2002
CALIFORNIA PACIFIC BANK — 2002
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 68,571,000 | 69,200,000 | 66,953,000 | 59,663,000 |
| Total loans | 50,879,000 | 52,657,000 | 55,036,000 | 53,685,000 |
| Allowance for loan losses | 2,808,000 | 2,349,000 | 2,993,000 | 2,265,000 |
| Securities available for sale | 9,916,000 | 7,996,000 | 5,005,000 | 0 |
| Securities held to maturity | 1,869,000 | 1,871,000 | 1,872,000 | 1,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,789,000 | 55,133,000 | 52,879,000 | 45,438,000 |
| Interest-bearing deposits | 40,278,000 | 42,074,000 | 36,384,000 | 31,034,000 |
| Noninterest-bearing deposits | 13,511,000 | 13,059,000 | 16,495,000 | 14,405,000 |
| Equity capital | 13,697,000 | 13,202,000 | 13,146,000 | 13,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,111,000 | 2,158,000 | 3,327,000 | 4,276,000 |
| Interest expense | 234,000 | 445,000 | 649,000 | 791,000 |
| Net interest income | 877,000 | 1,713,000 | 2,678,000 | 3,485,000 |
| Noninterest income | 493,000 | 646,000 | 811,000 | 984,000 |
| Noninterest expense | 629,000 | 1,287,000 | 1,956,000 | 2,599,000 |
| Provision for loan losses | 400,000 | 400,000 | 800,000 | 950,000 |
| Pretax income | 341,000 | 673,000 | 742,000 | 929,000 |
| Income tax | 135,000 | 259,000 | 384,000 | 338,000 |
| Net income | 206,000 | 414,000 | 358,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,742,000 | 13,200,000 | 13,143,000 | 13,416,000 |
| Total capital | 14,455,000 | 13,912,000 | 13,874,000 | 14,124,000 |
| Risk-weighted assets | 54,946,000 | 55,344,000 | 56,256,000 | 55,081,000 |