Call reports 2012
CALIFORNIA PACIFIC BANK — 2012
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,376,000 | 104,841,000 | 103,515,000 | 107,915,000 |
| Total loans | 57,641,000 | 57,316,000 | 57,012,000 | 60,764,000 |
| Allowance for loan losses | 2,869,000 | 2,963,000 | 2,925,000 | 2,990,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 820,000 | 820,000 | 820,000 | 821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,040,000 | 79,452,000 | 77,556,000 | 80,728,000 |
| Interest-bearing deposits | 61,096,000 | 57,402,000 | 53,927,000 | 57,981,000 |
| Noninterest-bearing deposits | 20,944,000 | 22,050,000 | 23,629,000 | 22,747,000 |
| Equity capital | 24,504,000 | 24,796,000 | 25,099,000 | 24,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,870,000 | 2,821,000 | 3,788,000 |
| Interest expense | 139,000 | 264,000 | 387,000 | 511,000 |
| Net interest income | 808,000 | 1,606,000 | 2,434,000 | 3,277,000 |
| Noninterest income | 273,000 | 562,000 | 987,000 | 1,281,000 |
| Noninterest expense | 397,000 | 988,000 | 1,728,000 | 4,013,000 |
| Provision for loan losses | 175,000 | 250,000 | 250,000 | 350,000 |
| Pretax income | 509,000 | 930,000 | 1,443,000 | 195,000 |
| Income tax | 212,000 | 341,000 | 551,000 | 71,000 |
| Net income | 297,000 | 589,000 | 892,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,504,000 | 24,796,000 | 25,099,000 | 24,385,000 |
| Total capital | 25,657,000 | 25,857,000 | 26,114,000 | 25,504,000 |
| Risk-weighted assets | 90,549,000 | 87,353,000 | 85,325,000 | 91,431,000 |