Call reports 2003
AMERICAN PACIFIC BANK — 2003
What AMERICAN PACIFIC BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 107,718,000 | 111,065,000 | 112,224,000 | 108,345,000 |
| Total loans | 87,883,000 | 88,046,000 | 91,504,000 | 98,903,000 |
| Allowance for loan losses | 884,000 | 842,000 | 867,000 | 919,000 |
| Securities available for sale | 1,206,000 | 1,608,000 | 1,506,000 | 1,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,728,000 | 89,840,000 | 89,200,000 | 84,036,000 |
| Interest-bearing deposits | 81,776,000 | 82,545,000 | 81,271,000 | 78,687,000 |
| Noninterest-bearing deposits | 4,952,000 | 7,295,000 | 7,929,000 | 5,349,000 |
| Equity capital | 8,901,000 | 9,302,000 | 10,945,000 | 11,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,902,000 | 3,853,000 | 5,794,000 | 7,774,000 |
| Interest expense | 585,000 | 1,154,000 | 1,680,000 | 2,153,000 |
| Net interest income | 1,317,000 | 2,699,000 | 4,114,000 | 5,621,000 |
| Noninterest income | 156,000 | 331,000 | 514,000 | 668,000 |
| Noninterest expense | 989,000 | 1,913,000 | 2,818,000 | 3,751,000 |
| Provision for loan losses | 71,000 | 116,000 | 175,000 | 267,000 |
| Pretax income | 413,000 | 1,001,000 | 1,635,000 | 2,271,000 |
| Income tax | 157,000 | 356,000 | 635,000 | 879,000 |
| Net income | 256,000 | 645,000 | 1,000,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,897,000 | 9,296,000 | 10,940,000 | 11,332,000 |
| Total capital | 9,781,000 | 10,138,000 | 11,807,000 | 12,251,000 |
| Risk-weighted assets | 88,520,000 | 92,093,000 | 97,319,000 | 99,394,000 |