Call reports 2008
PACIFIC CREST BANK — 2008
What PACIFIC CREST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 150,971,000 | 146,768,000 | 145,959,000 | 149,018,000 |
| Total loans | 145,480,000 | 142,852,000 | 142,445,000 | 138,999,000 |
| Allowance for loan losses | 1,369,000 | 1,479,000 | 1,719,000 | 1,958,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,753,000 | 107,771,000 | 104,861,000 | 107,969,000 |
| Interest-bearing deposits | 110,556,000 | 107,593,000 | 104,697,000 | 107,792,000 |
| Noninterest-bearing deposits | 197,000 | 178,000 | 164,000 | 177,000 |
| Equity capital | 15,369,000 | 15,497,000 | 15,594,000 | 15,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,949,000 | 5,700,000 | 8,425,000 | 10,914,000 |
| Interest expense | 1,561,000 | 2,922,000 | 4,220,000 | 5,485,000 |
| Net interest income | 1,388,000 | 2,778,000 | 4,205,000 | 5,429,000 |
| Noninterest income | 25,000 | 77,000 | 79,000 | 200,000 |
| Noninterest expense | 932,000 | 1,861,000 | 2,677,000 | 3,580,000 |
| Provision for loan losses | 120,000 | 270,000 | 520,000 | 830,000 |
| Pretax income | 361,000 | 724,000 | 1,087,000 | 1,219,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 361,000 | 724,000 | 1,087,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,369,000 | 15,497,000 | 15,594,000 | 15,576,000 |
| Total capital | 16,871,000 | 16,946,000 | 17,018,000 | 16,973,000 |
| Risk-weighted assets | 120,132,000 | 115,769,000 | 113,446,000 | 111,016,000 |
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