Call reports 2004
PACIFIC NATIONAL BANK — 2004
What PACIFIC NATIONAL 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 | 329,367,000 | 359,290,000 | 351,063,000 | 340,689,000 |
| Total loans | 74,501,000 | 77,106,000 | 88,892,000 | 95,341,000 |
| Allowance for loan losses | 1,842,000 | 1,938,000 | 1,909,000 | 2,025,000 |
| Securities available for sale | 167,336,000 | 175,040,000 | 177,525,000 | 181,720,000 |
| Securities held to maturity | 3,674,000 | 2,837,000 | 4,223,000 | 4,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,405,000 | 228,927,000 | 238,840,000 | 245,397,000 |
| Interest-bearing deposits | 137,618,000 | 141,504,000 | 150,031,000 | 151,246,000 |
| Noninterest-bearing deposits | 80,787,000 | 87,423,000 | 88,809,000 | 94,152,000 |
| Equity capital | 24,398,000 | 24,377,000 | 26,706,000 | 27,689,000 |
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 | 2,890,000 | 5,881,000 | 9,078,000 | 12,530,000 |
| Interest expense | 514,000 | 1,064,000 | 1,619,000 | 2,317,000 |
| Net interest income | 2,376,000 | 4,817,000 | 7,459,000 | 10,213,000 |
| Noninterest income | 676,000 | 1,356,000 | 1,991,000 | 2,655,000 |
| Noninterest expense | 1,895,000 | 3,778,000 | 5,643,000 | 7,609,000 |
| Provision for loan losses | 131,000 | -672,000 | -672,000 | -672,000 |
| Pretax income | 1,286,000 | 3,636,000 | 5,140,000 | 6,628,000 |
| Income tax | 427,000 | 1,265,000 | 1,829,000 | 2,013,000 |
| Net income | 859,000 | 2,371,000 | 3,311,000 | 4,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,425,000 | 25,937,000 | 26,878,000 | 28,184,000 |
| Total capital | 26,119,000 | 27,752,000 | 28,545,000 | 29,927,000 |
| Risk-weighted assets | 135,345,000 | 145,069,000 | 133,123,000 | 139,163,000 |