Call reports 2008
CALIFORNIA PACIFIC BANK — 2008
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 86,812,000 | 79,683,000 | 83,877,000 | 82,849,000 |
| Total loans | 55,157,000 | 54,416,000 | 54,591,000 | 55,213,000 |
| Allowance for loan losses | 2,895,000 | 3,221,000 | 3,226,000 | 3,268,000 |
| Securities available for sale | 1,014,000 | 1,003,000 | 1,001,000 | 1,009,000 |
| Securities held to maturity | 817,000 | 817,000 | 817,000 | 817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,304,000 | 57,110,000 | 61,089,000 | 60,056,000 |
| Interest-bearing deposits | 43,800,000 | 38,427,000 | 38,944,000 | 36,742,000 |
| Noninterest-bearing deposits | 20,504,000 | 18,683,000 | 22,145,000 | 23,314,000 |
| Equity capital | 21,049,000 | 21,474,000 | 21,709,000 | 21,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 2,691,000 | 3,900,000 | 4,912,000 |
| Interest expense | 347,000 | 620,000 | 882,000 | 1,132,000 |
| Net interest income | 1,122,000 | 2,071,000 | 3,018,000 | 3,780,000 |
| Noninterest income | 315,000 | 555,000 | 754,000 | 938,000 |
| Noninterest expense | 544,000 | 1,002,000 | 1,588,000 | 2,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 893,000 | 1,624,000 | 2,184,000 | 2,624,000 |
| Income tax | 350,000 | 665,000 | 896,000 | 1,067,000 |
| Net income | 543,000 | 959,000 | 1,288,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,040,000 | 21,472,000 | 21,708,000 | 21,977,000 |
| Total capital | 21,870,000 | 22,250,000 | 22,490,000 | 22,752,000 |
| Risk-weighted assets | 64,696,000 | 59,782,000 | 60,134,000 | 59,547,000 |