Call reports 2003
CALIFORNIA PACIFIC BANK — 2003
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 73,486,000 | 82,335,000 | 88,713,000 | 82,770,000 |
| Total loans | 56,868,000 | 57,819,000 | 57,204,000 | 62,405,000 |
| Allowance for loan losses | 2,288,000 | 2,370,000 | 2,444,000 | 2,175,000 |
| Securities available for sale | 0 | 0 | 1,942,000 | 1,936,000 |
| Securities held to maturity | 1,874,000 | 1,875,000 | 1,876,000 | 1,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,878,000 | 68,830,000 | 74,556,000 | 68,021,000 |
| Interest-bearing deposits | 43,058,000 | 50,044,000 | 54,110,000 | 49,831,000 |
| Noninterest-bearing deposits | 16,820,000 | 18,786,000 | 20,446,000 | 18,190,000 |
| Equity capital | 12,904,000 | 12,820,000 | 13,223,000 | 13,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 933,000 | 1,928,000 | 2,924,000 | 4,145,000 |
| Interest expense | 141,000 | 323,000 | 526,000 | 720,000 |
| Net interest income | 792,000 | 1,605,000 | 2,398,000 | 3,426,000 |
| Noninterest income | 487,000 | 685,000 | 1,666,000 | 1,905,000 |
| Noninterest expense | 654,000 | 1,332,000 | 2,144,000 | 2,728,000 |
| Provision for loan losses | 300,000 | 300,000 | 550,000 | 550,000 |
| Pretax income | 325,000 | 658,000 | 1,370,000 | 2,062,000 |
| Income tax | 185,000 | 252,000 | 609,000 | 785,000 |
| Net income | 140,000 | 406,000 | 761,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,904,000 | 12,820,000 | 13,175,000 | 13,683,000 |
| Total capital | 13,689,000 | 13,666,000 | 14,019,000 | 14,570,000 |
| Risk-weighted assets | 60,918,000 | 66,158,000 | 65,901,000 | 69,649,000 |