Call reports 2024
CALIFORNIA PACIFIC BANK — 2024
What CALIFORNIA PACIFIC BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 87,179,000 | 91,182,000 | 85,120,000 | 82,356,000 |
| Total loans | 60,301,000 | 59,998,000 | 65,505,000 | 65,050,000 |
| Allowance for loan losses | 5,395,000 | 5,395,000 | 5,395,000 | 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 | 43,687,000 | 47,495,000 | 45,672,000 | 42,281,000 |
| Interest-bearing deposits | 28,200,000 | 29,616,000 | 27,824,000 | 23,430,000 |
| Noninterest-bearing deposits | 15,487,000 | 17,879,000 | 17,848,000 | 18,851,000 |
| Equity capital | 42,058,000 | 42,940,000 | 38,466,000 | 39,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,696,000 | 5,546,000 | 7,511,000 |
| Interest expense | 250,000 | 517,000 | 768,000 | 998,000 |
| Net interest income | 1,628,000 | 3,179,000 | 4,778,000 | 6,513,000 |
| Noninterest income | 241,000 | 492,000 | 216,000 | 287,000 |
| Noninterest expense | 536,000 | 1,080,000 | 1,657,000 | 2,340,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,333,000 | 2,591,000 | 3,337,000 | 4,460,000 |
| Income tax | 399,000 | 775,000 | 1,001,000 | 1,342,000 |
| Net income | 934,000 | 1,816,000 | 2,487,000 | 3,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,057,000 | 42,940,000 | 38,465,000 | 39,247,000 |
| Total capital | 42,993,000 | 43,928,000 | 39,504,000 | 40,263,000 |
| Risk-weighted assets | 70,360,000 | 74,506,000 | 78,671,000 | 76,800,000 |