Call reports 2004
AMERICAN PACIFIC BANK — 2004
What AMERICAN PACIFIC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,607,000 | 119,967,000 | 122,531,000 | 122,678,000 |
| Total loans | 105,320,000 | 100,336,000 | 101,326,000 | 108,283,000 |
| Allowance for loan losses | 951,000 | 942,000 | 915,000 | 983,000 |
| Securities available for sale | 1,202,000 | 1,174,000 | 1,189,000 | 1,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,752,000 | 86,849,000 | 86,685,000 | 86,437,000 |
| Interest-bearing deposits | 76,925,000 | 81,828,000 | 81,404,000 | 81,713,000 |
| Noninterest-bearing deposits | 4,827,000 | 5,021,000 | 5,281,000 | 4,724,000 |
| Equity capital | 12,711,000 | 13,988,000 | 18,206,000 | 18,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,973,000 | 4,094,000 | 6,115,000 | 8,351,000 |
| Interest expense | 480,000 | 986,000 | 1,485,000 | 1,987,000 |
| Net interest income | 1,493,000 | 3,108,000 | 4,630,000 | 6,364,000 |
| Noninterest income | 143,000 | 316,000 | 484,000 | 639,000 |
| Noninterest expense | 951,000 | 1,943,000 | 3,016,000 | 4,102,000 |
| Provision for loan losses | 76,000 | 109,000 | 109,000 | 207,000 |
| Pretax income | 609,000 | 1,372,000 | 1,989,000 | 2,694,000 |
| Income tax | 234,000 | 535,000 | 773,000 | 1,077,000 |
| Net income | 375,000 | 837,000 | 1,216,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,708,000 | 14,004,000 | 18,211,000 | 18,615,000 |
| Total capital | 13,659,000 | 14,946,000 | 19,126,000 | 19,598,000 |
| Risk-weighted assets | 103,673,000 | 101,140,000 | 102,910,000 | 108,329,000 |