Call reports 2011
CALIFORNIA PACIFIC BANK — 2011
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 99,928,000 | 99,316,000 | 108,249,000 | 102,630,000 |
| Total loans | 56,289,000 | 55,770,000 | 54,855,000 | 56,747,000 |
| Allowance for loan losses | 3,549,000 | 3,297,000 | 3,232,000 | 3,436,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 819,000 | 819,000 | 819,000 | 820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,055,000 | 75,297,000 | 83,481,000 | 77,606,000 |
| Interest-bearing deposits | 60,027,000 | 60,511,000 | 66,088,000 | 57,753,000 |
| Noninterest-bearing deposits | 16,028,000 | 14,786,000 | 17,393,000 | 19,853,000 |
| Equity capital | 23,394,000 | 23,634,000 | 24,025,000 | 24,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,834,000 | 2,742,000 | 3,734,000 |
| Interest expense | 98,000 | 210,000 | 331,000 | 464,000 |
| Net interest income | 811,000 | 1,624,000 | 2,411,000 | 3,270,000 |
| Noninterest income | 112,000 | 230,000 | 435,000 | 581,000 |
| Noninterest expense | 480,000 | 946,000 | 1,372,000 | 1,809,000 |
| Provision for loan losses | 50,000 | 150,000 | 150,000 | 350,000 |
| Pretax income | 393,000 | 758,000 | 1,324,000 | 1,692,000 |
| Income tax | 153,000 | 278,000 | 534,000 | 730,000 |
| Net income | 240,000 | 480,000 | 790,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,394,000 | 23,634,000 | 24,025,000 | 24,207,000 |
| Total capital | 24,217,000 | 24,670,000 | 25,140,000 | 25,271,000 |
| Risk-weighted assets | 63,145,000 | 80,640,000 | 89,914,000 | 82,782,000 |