Call reports 2016
CALIFORNIA PACIFIC BANK — 2016
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 97,553,000 | 102,498,000 | 95,460,000 | 97,991,000 |
| Total loans | 51,443,000 | 60,492,000 | 51,858,000 | 59,239,000 |
| Allowance for loan losses | 3,713,000 | 3,712,000 | 3,712,000 | 3,938,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,448,000 | 72,580,000 | 65,165,000 | 67,440,000 |
| Interest-bearing deposits | 40,645,000 | 38,381,000 | 33,359,000 | 34,795,000 |
| Noninterest-bearing deposits | 27,803,000 | 34,199,000 | 31,806,000 | 32,645,000 |
| Equity capital | 28,491,000 | 28,804,000 | 29,105,000 | 29,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 929,000 | 1,922,000 | 2,852,000 | 3,735,000 |
| Interest expense | 74,000 | 142,000 | 199,000 | 244,000 |
| Net interest income | 855,000 | 1,780,000 | 2,653,000 | 3,491,000 |
| Noninterest income | 265,000 | 921,000 | 1,158,000 | 1,382,000 |
| Noninterest expense | 495,000 | 1,511,000 | 2,106,000 | 2,805,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 625,000 | 1,190,000 | 1,705,000 | 2,068,000 |
| Income tax | 249,000 | 501,000 | 715,000 | 888,000 |
| Net income | 376,000 | 689,000 | 990,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,491,000 | 28,804,000 | 29,106,000 | 29,295,000 |
| Total capital | 29,293,000 | 29,678,000 | 29,884,000 | 30,183,000 |
| Risk-weighted assets | 61,123,000 | 66,988,000 | 59,223,000 | 67,878,000 |