Call reports 2014
CALIFORNIA PACIFIC BANK — 2014
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 102,150,000 | 98,246,000 | 101,482,000 | 97,286,000 |
| Total loans | 55,743,000 | 54,926,000 | 54,297,000 | 52,393,000 |
| Allowance for loan losses | 3,456,000 | 3,464,000 | 3,474,000 | 3,484,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 822,000 | 822,000 | 822,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,817,000 | 70,602,000 | 74,247,000 | 69,762,000 |
| Interest-bearing deposits | 50,639,000 | 47,860,000 | 51,154,000 | 46,769,000 |
| Noninterest-bearing deposits | 24,178,000 | 22,742,000 | 23,093,000 | 22,993,000 |
| Equity capital | 26,230,000 | 26,483,000 | 26,634,000 | 26,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,823,000 | 2,756,000 | 3,793,000 |
| Interest expense | 106,000 | 205,000 | 304,000 | 389,000 |
| Net interest income | 787,000 | 1,618,000 | 2,452,000 | 3,404,000 |
| Noninterest income | 267,000 | 699,000 | 948,000 | 1,211,000 |
| Noninterest expense | 632,000 | 1,479,000 | 2,304,000 | 3,113,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 422,000 | 838,000 | 1,096,000 | 1,502,000 |
| Income tax | 185,000 | 348,000 | 455,000 | 593,000 |
| Net income | 237,000 | 490,000 | 641,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,230,000 | 26,483,000 | 26,634,000 | 26,902,000 |
| Total capital | 27,201,000 | 27,366,000 | 27,504,000 | 27,765,000 |
| Risk-weighted assets | 75,184,000 | 74,834,000 | 70,212,000 | 66,296,000 |
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