Call reports 2004
CALIFORNIA PACIFIC BANK — 2004
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 86,897,000 | 85,291,000 | 89,407,000 | 88,251,000 |
| Total loans | 53,622,000 | 56,595,000 | 48,445,000 | 46,199,000 |
| Allowance for loan losses | 2,205,000 | 2,233,000 | 2,292,000 | 2,449,000 |
| Securities available for sale | 1,986,000 | 1,864,000 | 1,965,000 | 3,980,000 |
| Securities held to maturity | 1,879,000 | 1,880,000 | 1,881,000 | 1,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,900,000 | 70,030,000 | 74,279,000 | 73,063,000 |
| Interest-bearing deposits | 54,863,000 | 52,458,000 | 53,801,000 | 51,383,000 |
| Noninterest-bearing deposits | 17,037,000 | 17,572,000 | 20,478,000 | 21,680,000 |
| Equity capital | 13,957,000 | 14,132,000 | 13,812,000 | 14,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,975,000 | 3,064,000 | 4,204,000 |
| Interest expense | 201,000 | 377,000 | 560,000 | 745,000 |
| Net interest income | 759,000 | 1,598,000 | 2,504,000 | 3,459,000 |
| Noninterest income | 193,000 | 380,000 | 607,000 | 821,000 |
| Noninterest expense | 637,000 | 1,268,000 | 1,894,000 | 2,525,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 315,000 | 710,000 | 1,217,000 | 1,755,000 |
| Income tax | 110,000 | 256,000 | 435,000 | 654,000 |
| Net income | 205,000 | 454,000 | 782,000 | 1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,887,000 | 14,136,000 | 13,759,000 | 14,078,000 |
| Total capital | 14,960,000 | 15,225,000 | 14,887,000 | 15,202,000 |
| Risk-weighted assets | 84,719,000 | 85,976,000 | 89,079,000 | 88,591,000 |