Call reports 2019
CALIFORNIA PACIFIC BANK — 2019
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 75,759,000 | 75,282,000 | 74,560,000 | 77,392,000 |
| Total loans | 56,433,000 | 53,824,000 | 55,870,000 | 55,338,000 |
| Allowance for loan losses | 4,188,000 | 4,188,000 | 4,188,000 | 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 | 43,255,000 | 42,551,000 | 40,883,000 | 43,473,000 |
| Interest-bearing deposits | 25,078,000 | 23,048,000 | 21,606,000 | 22,267,000 |
| Noninterest-bearing deposits | 18,177,000 | 19,503,000 | 19,277,000 | 21,206,000 |
| Equity capital | 31,773,000 | 32,410,000 | 32,713,000 | 32,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,392,000 | 3,539,000 | 4,719,000 |
| Interest expense | 44,000 | 96,000 | 143,000 | 193,000 |
| Net interest income | 1,136,000 | 2,296,000 | 3,396,000 | 4,526,000 |
| Noninterest income | 281,000 | 545,000 | 805,000 | 1,062,000 |
| Noninterest expense | 506,000 | 1,019,000 | 1,882,000 | 2,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 911,000 | 1,822,000 | 2,319,000 | 2,767,000 |
| Income tax | 281,000 | 555,000 | 749,000 | 994,000 |
| Net income | 630,000 | 1,267,000 | 1,570,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,773,000 | 32,410,000 | 32,713,000 | 32,916,000 |
| Total capital | 32,654,000 | 33,259,000 | 33,591,000 | 33,784,000 |
| Risk-weighted assets | 67,090,000 | 64,494,000 | 66,818,000 | 66,037,000 |