Call reports 2020
CALIFORNIA PACIFIC BANK — 2020
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 80,748,000 | 85,921,000 | 89,177,000 | 82,484,000 |
| Total loans | 56,380,000 | 62,771,000 | 54,648,000 | 52,626,000 |
| Allowance for loan losses | 4,188,000 | 4,188,000 | 4,413,000 | 4,638,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,065,000 | 51,271,000 | 54,093,000 | 47,375,000 |
| Interest-bearing deposits | 20,464,000 | 22,408,000 | 24,709,000 | 21,005,000 |
| Noninterest-bearing deposits | 25,601,000 | 28,863,000 | 29,384,000 | 26,370,000 |
| Equity capital | 33,486,000 | 33,910,000 | 34,259,000 | 34,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 1,824,000 | 2,948,000 | 3,887,000 |
| Interest expense | 43,000 | 77,000 | 111,000 | 142,000 |
| Net interest income | 938,000 | 1,747,000 | 2,837,000 | 3,745,000 |
| Noninterest income | 234,000 | 450,000 | 656,000 | 823,000 |
| Noninterest expense | 497,000 | 1,004,000 | 1,575,000 | 2,135,000 |
| Provision for loan losses | 0 | 0 | 225,000 | 450,000 |
| Pretax income | 675,000 | 1,193,000 | 1,693,000 | 1,983,000 |
| Income tax | 262,000 | 357,000 | 507,000 | 595,000 |
| Net income | 413,000 | 836,000 | 1,186,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,486,000 | 33,910,000 | 34,259,000 | 34,461,000 |
| Total capital | 34,338,000 | 34,826,000 | 35,064,000 | 35,265,000 |
| Risk-weighted assets | 64,728,000 | 69,942,000 | 60,696,000 | 60,383,000 |