Call reports 2005
CALIFORNIA PACIFIC BANK — 2005
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 96,931,000 | 81,659,000 | 86,792,000 | 83,385,000 |
| Total loans | 47,248,000 | 45,994,000 | 50,124,000 | 59,173,000 |
| Allowance for loan losses | 2,476,000 | 2,528,000 | 2,764,000 | 3,215,000 |
| Securities available for sale | 4,780,000 | 2,883,000 | 2,872,000 | 1,988,000 |
| Securities held to maturity | 1,883,000 | 1,884,000 | 1,884,000 | 1,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,205,000 | 65,438,000 | 70,171,000 | 65,527,000 |
| Interest-bearing deposits | 57,335,000 | 45,573,000 | 49,609,000 | 46,212,000 |
| Noninterest-bearing deposits | 23,870,000 | 19,865,000 | 20,562,000 | 19,314,000 |
| Equity capital | 14,397,000 | 14,919,000 | 15,353,000 | 16,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,668,000 | 4,102,000 | 5,680,000 |
| Interest expense | 256,000 | 505,000 | 771,000 | 1,092,000 |
| Net interest income | 1,006,000 | 2,163,000 | 3,331,000 | 4,588,000 |
| Noninterest income | 179,000 | 451,000 | 660,000 | 1,326,000 |
| Noninterest expense | 588,000 | 1,170,000 | 1,780,000 | 2,524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 597,000 | 1,444,000 | 2,211,000 | 3,390,000 |
| Income tax | 280,000 | 602,000 | 933,000 | 1,401,000 |
| Net income | 317,000 | 842,000 | 1,278,000 | 1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,394,000 | 14,920,000 | 15,355,000 | 16,055,000 |
| Total capital | 15,617,000 | 15,975,000 | 16,094,000 | 16,915,000 |
| Risk-weighted assets | 96,500,000 | 82,940,000 | 62,941,000 | 67,540,000 |
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