Call reports 2023
CALIFORNIA PACIFIC BANK — 2023
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 80,076,000 | 82,983,000 | 83,466,000 | 86,502,000 |
| Total loans | 65,483,000 | 61,916,000 | 62,643,000 | 64,339,000 |
| Allowance for loan losses | 5,095,000 | 5,195,000 | 5,295,000 | 5,395,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,291,000 | 42,871,000 | 42,203,000 | 44,354,000 |
| Interest-bearing deposits | 20,733,000 | 22,126,000 | 23,218,000 | 27,019,000 |
| Noninterest-bearing deposits | 19,558,000 | 20,745,000 | 18,985,000 | 17,335,000 |
| Equity capital | 38,491,000 | 39,208,000 | 40,133,000 | 41,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,327,000 | 5,219,000 | 7,378,000 |
| Interest expense | 76,000 | 186,000 | 336,000 | 543,000 |
| Net interest income | 1,553,000 | 3,141,000 | 4,883,000 | 6,835,000 |
| Noninterest income | 256,000 | 503,000 | 768,000 | 1,015,000 |
| Noninterest expense | 477,000 | 1,189,000 | 1,778,000 | 2,516,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 300,000 |
| Pretax income | 1,332,000 | 2,355,000 | 3,673,000 | 5,034,000 |
| Income tax | 399,000 | 705,000 | 1,098,000 | 1,472,000 |
| Net income | 933,000 | 1,650,000 | 2,575,000 | 3,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,491,000 | 39,208,000 | 40,133,000 | 41,120,000 |
| Total capital | 39,482,000 | 40,164,000 | 41,093,000 | 42,121,000 |
| Risk-weighted assets | 75,062,000 | 72,126,000 | 72,333,000 | 75,591,000 |