Call reports 2008
CALIFORNIA UNITED BANK — 2008
What CALIFORNIA UNITED 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 | 292,450,000 | 319,093,000 | 352,792,000 | 379,254,000 |
| Total loans | 178,590,000 | 199,364,000 | 212,368,000 | 232,204,000 |
| Allowance for loan losses | 2,235,000 | 2,500,000 | 2,662,000 | 3,205,000 |
| Securities available for sale | 99,209,000 | 102,736,000 | 84,947,000 | 118,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,474,000 | 214,231,000 | 226,162,000 | 245,678,000 |
| Interest-bearing deposits | 145,073,000 | 160,519,000 | 162,958,000 | 162,312,000 |
| Noninterest-bearing deposits | 49,401,000 | 53,712,000 | 63,204,000 | 83,366,000 |
| Equity capital | 55,770,000 | 55,088,000 | 54,529,000 | 56,643,000 |
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 | 4,064,000 | 8,096,000 | 12,508,000 | 17,158,000 |
| Interest expense | 1,103,000 | 2,123,000 | 3,215,000 | 4,046,000 |
| Net interest income | 2,961,000 | 5,973,000 | 9,293,000 | 13,112,000 |
| Noninterest income | 143,000 | 302,000 | 453,000 | 687,000 |
| Noninterest expense | 2,825,000 | 5,627,000 | 8,692,000 | 13,376,000 |
| Provision for loan losses | 215,000 | 480,000 | 642,000 | 1,185,000 |
| Pretax income | 329,000 | 536,000 | 780,000 | -387,000 |
| Income tax | -1,961,000 | -1,845,000 | -1,737,000 | -2,280,000 |
| Net income | 2,290,000 | 2,381,000 | 2,517,000 | 1,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,213,000 | 54,580,000 | 54,237,000 | 56,017,000 |
| Total capital | 57,541,000 | 57,176,000 | 56,998,000 | 59,324,000 |
| Risk-weighted assets | 242,250,000 | 260,356,000 | 278,645,000 | 296,976,000 |
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