Call reports 2007
CALIFORNIA PACIFIC BANK — 2007
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,630,000 | 92,669,000 | 90,003,000 | 88,081,000 |
| Total loans | 61,306,000 | 58,329,000 | 60,513,000 | 53,957,000 |
| Allowance for loan losses | 3,300,000 | 3,360,000 | 3,128,000 | 2,895,000 |
| Securities available for sale | 2,998,000 | 0 | 1,946,000 | 2,979,000 |
| Securities held to maturity | 1,893,000 | 1,894,000 | 943,000 | 816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,552,000 | 72,401,000 | 69,155,000 | 66,510,000 |
| Interest-bearing deposits | 44,336,000 | 46,416,000 | 47,558,000 | 44,097,000 |
| Noninterest-bearing deposits | 31,216,000 | 25,985,000 | 21,597,000 | 22,413,000 |
| Equity capital | 18,697,000 | 19,288,000 | 19,850,000 | 20,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 3,931,000 | 5,889,000 | 7,629,000 |
| Interest expense | 440,000 | 871,000 | 1,310,000 | 1,726,000 |
| Net interest income | 1,509,000 | 3,060,000 | 4,579,000 | 5,903,000 |
| Noninterest income | 203,000 | 393,000 | 637,000 | 845,000 |
| Noninterest expense | 652,000 | 1,378,000 | 1,927,000 | 2,388,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 380,000 |
| Pretax income | 1,060,000 | 2,075,000 | 3,139,000 | 3,980,000 |
| Income tax | 421,000 | 841,000 | 1,272,000 | 1,557,000 |
| Net income | 639,000 | 1,234,000 | 1,867,000 | 2,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,694,000 | 19,288,000 | 19,832,000 | 20,497,000 |
| Total capital | 19,560,000 | 20,127,000 | 20,733,000 | 21,290,000 |
| Risk-weighted assets | 66,708,000 | 67,499,000 | 69,804,000 | 61,514,000 |