Call reports 2005
PACIFIC NATIONAL BANK — 2005
What PACIFIC NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 346,753,000 | 343,744,000 | 364,380,000 | 367,873,000 |
| Total loans | 100,513,000 | 106,551,000 | 99,243,000 | 94,853,000 |
| Allowance for loan losses | 2,254,000 | 1,975,000 | 2,347,000 | 2,191,000 |
| Securities available for sale | 187,990,000 | 191,486,000 | 196,120,000 | 202,972,000 |
| Securities held to maturity | 3,892,000 | 3,755,000 | 2,094,000 | 2,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,222,000 | 272,529,000 | 278,716,000 | 267,697,000 |
| Interest-bearing deposits | 159,784,000 | 164,745,000 | 167,792,000 | 157,073,000 |
| Noninterest-bearing deposits | 113,438,000 | 107,784,000 | 110,924,000 | 110,624,000 |
| Equity capital | 27,894,000 | 29,127,000 | 29,770,000 | 30,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,745,000 | 7,757,000 | 11,811,000 | 16,090,000 |
| Interest expense | 718,000 | 1,428,000 | 2,152,000 | 3,029,000 |
| Net interest income | 3,027,000 | 6,329,000 | 9,659,000 | 13,061,000 |
| Noninterest income | 692,000 | 1,362,000 | 2,088,000 | 2,738,000 |
| Noninterest expense | 1,863,000 | 3,758,000 | 5,774,000 | 8,005,000 |
| Provision for loan losses | 96,000 | 1,693,000 | 1,988,000 | 1,688,000 |
| Pretax income | 1,862,000 | 2,459,000 | 4,255,000 | 6,376,000 |
| Income tax | 686,000 | 944,000 | 1,597,000 | 2,336,000 |
| Net income | 1,176,000 | 1,515,000 | 2,658,000 | 4,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,361,000 | 29,700,000 | 30,843,000 | 32,225,000 |
| Total capital | 31,086,000 | 31,456,000 | 32,606,000 | 34,030,000 |
| Risk-weighted assets | 137,469,000 | 140,259,000 | 140,464,000 | 144,042,000 |