Call reports 2004
PACIFIC CREST BANK — 2004
What PACIFIC CREST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 86,822,000 | 84,813,000 | 83,502,000 | 85,829,000 |
| Total loans | 79,030,000 | 77,620,000 | 76,282,000 | 78,318,000 |
| Allowance for loan losses | 823,000 | 853,000 | 853,000 | 830,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,612,000 | 54,181,000 | 53,696,000 | 55,675,000 |
| Interest-bearing deposits | 52,513,000 | 54,103,000 | 53,623,000 | 55,606,000 |
| Noninterest-bearing deposits | 99,000 | 78,000 | 73,000 | 69,000 |
| Equity capital | 14,111,000 | 14,547,000 | 14,617,000 | 14,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,293,000 | 2,699,000 | 4,045,000 | 5,459,000 |
| Interest expense | 306,000 | 648,000 | 995,000 | 1,367,000 |
| Net interest income | 987,000 | 2,051,000 | 3,050,000 | 4,092,000 |
| Noninterest income | 1,442,000 | 3,450,000 | 5,062,000 | 6,587,000 |
| Noninterest expense | 2,416,000 | 5,022,000 | 7,563,000 | 9,996,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | -17,000 | 419,000 | 489,000 | 623,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -17,000 | 419,000 | 489,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,568,000 | 14,004,000 | 14,074,000 | 14,208,000 |
| Total capital | 14,331,000 | 14,776,000 | 14,862,000 | 15,038,000 |
| Risk-weighted assets | 60,982,000 | 61,669,000 | 62,973,000 | 67,550,000 |
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