Call reports 2010
UNITED PACIFIC BANK — 2010
What UNITED PACIFIC BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 162,897,000 | 156,157,000 | 154,608,000 | 153,306,000 |
| Total loans | 127,914,000 | 120,992,000 | 122,974,000 | 120,391,000 |
| Allowance for loan losses | 3,010,000 | 3,561,000 | 3,186,000 | 3,221,000 |
| Securities available for sale | 5,132,000 | 6,873,000 | 4,741,000 | 4,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,508,000 | 118,672,000 | 116,933,000 | 111,623,000 |
| Interest-bearing deposits | 121,360,000 | 115,752,000 | 114,352,000 | 109,351,000 |
| Noninterest-bearing deposits | 3,148,000 | 2,919,000 | 2,581,000 | 2,271,000 |
| Equity capital | 12,167,000 | 13,254,000 | 15,321,000 | 16,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,977,000 | 3,981,000 | 5,945,000 | 7,858,000 |
| Interest expense | 673,000 | 1,284,000 | 1,837,000 | 2,372,000 |
| Net interest income | 1,304,000 | 2,697,000 | 4,108,000 | 5,486,000 |
| Noninterest income | 88,000 | 317,000 | 394,000 | 457,000 |
| Noninterest expense | 848,000 | 1,813,000 | 2,841,000 | 3,739,000 |
| Provision for loan losses | 400,000 | 1,000,000 | 1,400,000 | 2,265,000 |
| Pretax income | 144,000 | 201,000 | 260,000 | -62,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 143,000 | 200,000 | 259,000 | -63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,213,000 | 13,270,000 | 15,329,000 | 16,007,000 |
| Total capital | 13,852,000 | 14,837,000 | 16,898,000 | 17,525,000 |
| Risk-weighted assets | 129,757,000 | 123,392,000 | 123,930,000 | 119,752,000 |