Call reports 2003
PACIFIC NATIONAL BANK — 2003
What PACIFIC NATIONAL 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 | 259,957,000 | 273,877,000 | 296,233,000 | 296,057,000 |
| Total loans | 57,717,000 | 60,887,000 | 70,522,000 | 70,943,000 |
| Allowance for loan losses | 2,015,000 | 1,266,000 | 1,393,000 | 1,682,000 |
| Securities available for sale | 135,234,000 | 142,732,000 | 149,500,000 | 163,544,000 |
| Securities held to maturity | 8,104,000 | 7,361,000 | 6,095,000 | 4,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,103,000 | 196,905,000 | 187,589,000 | 202,306,000 |
| Interest-bearing deposits | 118,955,000 | 132,627,000 | 123,573,000 | 125,565,000 |
| Noninterest-bearing deposits | 63,147,000 | 64,278,000 | 64,016,000 | 76,741,000 |
| Equity capital | 21,875,000 | 22,632,000 | 22,442,000 | 22,720,000 |
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 | 2,658,000 | 5,138,000 | 7,600,000 | 10,319,000 |
| Interest expense | 482,000 | 979,000 | 1,461,000 | 1,995,000 |
| Net interest income | 2,176,000 | 4,159,000 | 6,139,000 | 8,324,000 |
| Noninterest income | 668,000 | 1,301,000 | 1,874,000 | 2,474,000 |
| Noninterest expense | 1,806,000 | 3,614,000 | 5,403,000 | 7,258,000 |
| Provision for loan losses | 240,000 | 240,000 | 355,000 | 435,000 |
| Pretax income | 866,000 | 1,793,000 | 2,304,000 | 3,159,000 |
| Income tax | 339,000 | 695,000 | 897,000 | 1,231,000 |
| Net income | 527,000 | 1,098,000 | 1,407,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,164,000 | 22,736,000 | 23,045,000 | 23,566,000 |
| Total capital | 23,665,000 | 24,002,000 | 24,438,000 | 25,184,000 |
| Risk-weighted assets | 119,592,000 | 120,240,000 | 130,393,000 | 129,360,000 |