Call reports 2006
PACIFIC CREST BANK — 2006
What PACIFIC CREST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 138,153,000 | 148,057,000 | 139,274,000 | 138,848,000 |
| Total loans | 130,881,000 | 139,956,000 | 133,638,000 | 134,652,000 |
| Allowance for loan losses | 803,000 | 886,000 | 1,020,000 | 1,116,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,821,000 | 111,212,000 | 108,198,000 | 103,199,000 |
| Interest-bearing deposits | 93,755,000 | 111,171,000 | 107,808,000 | 103,147,000 |
| Noninterest-bearing deposits | 66,000 | 41,000 | 390,000 | 52,000 |
| Equity capital | 15,386,000 | 15,663,000 | 13,858,000 | 14,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,409,000 | 5,193,000 | 8,270,000 | 11,193,000 |
| Interest expense | 1,052,000 | 2,399,000 | 3,958,000 | 5,469,000 |
| Net interest income | 1,357,000 | 2,794,000 | 4,312,000 | 5,724,000 |
| Noninterest income | 1,724,000 | 3,952,000 | 5,118,000 | 5,278,000 |
| Noninterest expense | 2,898,000 | 6,085,000 | 9,946,000 | 11,172,000 |
| Provision for loan losses | 40,000 | 100,000 | 250,000 | 300,000 |
| Pretax income | 143,000 | 561,000 | -766,000 | -470,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 561,000 | -766,000 | -470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,843,000 | 15,120,000 | 13,858,000 | 14,154,000 |
| Total capital | 15,815,000 | 16,151,000 | 15,040,000 | 15,385,000 |
| Risk-weighted assets | 102,693,000 | 108,360,000 | 108,099,000 | 105,425,000 |
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