Call reports 2015
CALIFORNIA PACIFIC BANK — 2015
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 92,209,000 | 93,893,000 | 95,331,000 | 93,102,000 |
| Total loans | 56,188,000 | 55,258,000 | 59,750,000 | 58,315,000 |
| Allowance for loan losses | 3,499,000 | 3,509,000 | 3,524,000 | 3,539,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,715,000 | 65,599,000 | 66,752,000 | 64,620,000 |
| Interest-bearing deposits | 43,791,000 | 42,555,000 | 40,050,000 | 40,651,000 |
| Noninterest-bearing deposits | 19,924,000 | 23,044,000 | 26,702,000 | 23,969,000 |
| Equity capital | 27,249,000 | 27,537,000 | 27,885,000 | 28,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 895,000 | 1,793,000 | 2,730,000 | 3,663,000 |
| Interest expense | 80,000 | 159,000 | 239,000 | 316,000 |
| Net interest income | 815,000 | 1,634,000 | 2,491,000 | 3,347,000 |
| Noninterest income | 223,000 | 447,000 | 679,000 | 873,000 |
| Noninterest expense | 868,000 | 1,390,000 | 1,900,000 | 2,536,000 |
| Provision for loan losses | -419,000 | -419,000 | -419,000 | -419,000 |
| Pretax income | 589,000 | 1,110,000 | 1,689,000 | 2,103,000 |
| Income tax | 243,000 | 476,000 | 707,000 | 891,000 |
| Net income | 346,000 | 634,000 | 982,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,767,000 | 27,538,000 | 27,885,000 | 28,115,000 |
| Total capital | 27,681,000 | 28,442,000 | 28,803,000 | 28,996,000 |
| Risk-weighted assets | 70,513,000 | 69,588,000 | 70,767,000 | 67,615,000 |