Call reports 2022
CALIFORNIA PACIFIC BANK — 2022
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 92,999,000 | 82,083,000 | 85,987,000 | 82,288,000 |
| Total loans | 62,175,000 | 61,640,000 | 57,077,000 | 64,630,000 |
| Allowance for loan losses | 4,645,000 | 4,945,000 | 4,945,000 | 5,095,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,271,000 | 45,147,000 | 48,632,000 | 43,994,000 |
| Interest-bearing deposits | 18,188,000 | 18,136,000 | 20,372,000 | 19,032,000 |
| Noninterest-bearing deposits | 38,083,000 | 27,011,000 | 28,260,000 | 24,962,000 |
| Equity capital | 36,137,000 | 36,509,000 | 37,001,000 | 37,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,893,000 | 3,065,000 | 4,544,000 |
| Interest expense | 18,000 | 36,000 | 63,000 | 109,000 |
| Net interest income | 880,000 | 1,857,000 | 3,002,000 | 4,435,000 |
| Noninterest income | 208,000 | 462,000 | 602,000 | 771,000 |
| Noninterest expense | 398,000 | 798,000 | 1,372,000 | 2,040,000 |
| Provision for loan losses | 0 | 300,000 | 300,000 | 450,000 |
| Pretax income | 690,000 | 1,221,000 | 1,932,000 | 2,716,000 |
| Income tax | 207,000 | 366,000 | 585,000 | 772,000 |
| Net income | 483,000 | 855,000 | 1,347,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,137,000 | 36,509,000 | 37,001,000 | 37,561,000 |
| Total capital | 37,103,000 | 37,464,000 | 37,932,000 | 38,563,000 |
| Risk-weighted assets | 73,483,000 | 72,308,000 | 70,378,000 | 75,945,000 |