Call reports 2018
CALIFORNIA PACIFIC BANK — 2018
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 72,924,000 | 71,299,000 | 70,199,000 | 73,339,000 |
| Total loans | 54,537,000 | 44,741,000 | 45,513,000 | 55,371,000 |
| Allowance for loan losses | 3,988,000 | 4,038,000 | 4,138,000 | 4,188,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,392,000 | 39,644,000 | 38,780,000 | 41,525,000 |
| Interest-bearing deposits | 20,620,000 | 18,343,000 | 21,330,000 | 21,906,000 |
| Noninterest-bearing deposits | 20,772,000 | 21,301,000 | 17,450,000 | 19,619,000 |
| Equity capital | 30,607,000 | 31,076,000 | 30,717,000 | 31,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,025,000 | 2,981,000 | 4,061,000 |
| Interest expense | 26,000 | 44,000 | 84,000 | 117,000 |
| Net interest income | 996,000 | 1,981,000 | 2,897,000 | 3,944,000 |
| Noninterest income | 216,000 | 503,000 | 774,000 | 1,054,000 |
| Noninterest expense | 457,000 | 1,006,000 | 1,591,000 | 2,343,000 |
| Provision for loan losses | 50,000 | 100,000 | 200,000 | 250,000 |
| Pretax income | 705,000 | 1,378,000 | 1,880,000 | 2,405,000 |
| Income tax | 210,000 | 414,000 | 559,000 | 695,000 |
| Net income | 495,000 | 964,000 | 1,321,000 | 1,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,607,000 | 31,077,000 | 30,717,000 | 31,143,000 |
| Total capital | 31,429,000 | 31,837,000 | 31,486,000 | 32,023,000 |
| Risk-weighted assets | 62,532,000 | 57,459,000 | 58,077,000 | 67,039,000 |