Call reports 2015
BANK OF SAN FRANCISCO — 2015
What BANK OF SAN FRANCISCO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 176,185,000 | 189,931,000 | 198,766,000 | 212,960,000 |
| Total loans | 153,442,000 | 165,636,000 | 172,383,000 | 177,859,000 |
| Allowance for loan losses | 2,085,000 | 2,120,000 | 2,158,000 | 2,305,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,151,000 | 165,219,000 | 178,332,000 | 194,955,000 |
| Interest-bearing deposits | 90,346,000 | 105,091,000 | 108,626,000 | 108,084,000 |
| Noninterest-bearing deposits | 63,805,000 | 60,128,000 | 69,706,000 | 86,871,000 |
| Equity capital | 16,245,000 | 16,619,000 | 16,998,000 | 17,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,872,000 | 3,865,000 | 5,924,000 | 8,110,000 |
| Interest expense | 99,000 | 205,000 | 328,000 | 447,000 |
| Net interest income | 1,773,000 | 3,660,000 | 5,596,000 | 7,663,000 |
| Noninterest income | 224,000 | 477,000 | 699,000 | 794,000 |
| Noninterest expense | 1,432,000 | 2,895,000 | 4,407,000 | 6,047,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 245,000 |
| Pretax income | 565,000 | 1,207,000 | 1,853,000 | 2,165,000 |
| Income tax | 235,000 | 503,000 | 770,000 | 900,000 |
| Net income | 330,000 | 704,000 | 1,083,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,180,000 | 16,530,000 | 16,901,000 | 17,090,000 |
| Total capital | 18,060,000 | 18,482,000 | 18,917,000 | 19,133,000 |
| Risk-weighted assets | 150,162,000 | 156,072,000 | 161,101,000 | 163,175,000 |