Call reports 2021
CALIFORNIA PACIFIC BANK — 2021
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 81,889,000 | 79,804,000 | 79,096,000 | 83,414,000 |
| Total loans | 52,911,000 | 53,758,000 | 54,467,000 | 49,331,000 |
| Allowance for loan losses | 4,638,000 | 4,638,000 | 4,645,000 | 4,645,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,472,000 | 44,211,000 | 43,165,000 | 47,271,000 |
| Interest-bearing deposits | 21,346,000 | 19,256,000 | 19,441,000 | 19,711,000 |
| Noninterest-bearing deposits | 25,126,000 | 24,955,000 | 23,724,000 | 27,560,000 |
| Equity capital | 34,767,000 | 35,053,000 | 35,421,000 | 35,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 869,000 | 1,729,000 | 2,684,000 | 3,599,000 |
| Interest expense | 29,000 | 56,000 | 83,000 | 107,000 |
| Net interest income | 840,000 | 1,673,000 | 2,601,000 | 3,492,000 |
| Noninterest income | 127,000 | 253,000 | 405,000 | 574,000 |
| Noninterest expense | 461,000 | 1,010,000 | 1,562,000 | 2,290,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 506,000 | 916,000 | 1,444,000 | 1,776,000 |
| Income tax | 152,000 | 276,000 | 436,000 | 581,000 |
| Net income | 354,000 | 640,000 | 1,008,000 | 1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,767,000 | 35,053,000 | 35,421,000 | 35,608,000 |
| Total capital | 35,618,000 | 35,945,000 | 36,351,000 | 36,458,000 |
| Risk-weighted assets | 64,164,000 | 67,540,000 | 70,594,000 | 64,090,000 |