Call reports 2013
CALIFORNIA PACIFIC BANK — 2013
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 106,098,000 | 108,985,000 | 110,748,000 | 105,835,000 |
| Total loans | 62,442,000 | 60,060,000 | 59,671,000 | 54,601,000 |
| Allowance for loan losses | 3,192,000 | 3,194,000 | 3,197,000 | 3,292,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 821,000 | 821,000 | 821,000 | 821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,256,000 | 81,388,000 | 84,922,000 | 78,746,000 |
| Interest-bearing deposits | 54,713,000 | 57,858,000 | 61,188,000 | 57,785,000 |
| Noninterest-bearing deposits | 23,543,000 | 23,530,000 | 23,734,000 | 20,961,000 |
| Equity capital | 24,599,000 | 24,836,000 | 25,050,000 | 25,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 2,056,000 | 3,048,000 | 4,047,000 |
| Interest expense | 117,000 | 238,000 | 359,000 | 474,000 |
| Net interest income | 895,000 | 1,818,000 | 2,689,000 | 3,573,000 |
| Noninterest income | 187,000 | 407,000 | 627,000 | 3,577,000 |
| Noninterest expense | 516,000 | 1,255,000 | 1,957,000 | 2,965,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 1,518,000 |
| Pretax income | 366,000 | 770,000 | 1,159,000 | 2,667,000 |
| Income tax | 152,000 | 319,000 | 494,000 | 1,060,000 |
| Net income | 214,000 | 451,000 | 665,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,599,000 | 24,836,000 | 25,050,000 | 25,992,000 |
| Total capital | 25,640,000 | 25,847,000 | 26,080,000 | 26,941,000 |
| Risk-weighted assets | 81,162,000 | 78,726,000 | 80,234,000 | 73,610,000 |