Call reports 2006
PACIFIC NATIONAL BANK — 2006
What PACIFIC NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 361,649,000 | 344,260,000 | 335,318,000 | 349,781,000 |
| Total loans | 92,031,000 | 89,780,000 | 85,896,000 | 86,636,000 |
| Allowance for loan losses | 2,676,000 | 2,681,000 | 2,743,000 | 1,617,000 |
| Securities available for sale | 208,598,000 | 212,863,000 | 202,208,000 | 198,982,000 |
| Securities held to maturity | 1,922,000 | 1,762,000 | 1,726,000 | 1,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,226,000 | 291,158,000 | 262,373,000 | 249,425,000 |
| Interest-bearing deposits | 158,039,000 | 156,289,000 | 144,206,000 | 137,029,000 |
| Noninterest-bearing deposits | 132,187,000 | 134,869,000 | 118,167,000 | 112,396,000 |
| Equity capital | 31,339,000 | 31,868,000 | 34,643,000 | 36,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,700,000 | 9,528,000 | 14,151,000 | 18,684,000 |
| Interest expense | 975,000 | 1,857,000 | 2,489,000 | 3,698,000 |
| Net interest income | 3,725,000 | 7,671,000 | 11,662,000 | 14,986,000 |
| Noninterest income | 711,000 | 1,321,000 | 2,226,000 | 3,099,000 |
| Noninterest expense | 2,358,000 | 4,921,000 | 7,844,000 | 10,406,000 |
| Provision for loan losses | 0 | -105,000 | -105,000 | -1,270,000 |
| Pretax income | 2,078,000 | 4,176,000 | 6,149,000 | 8,949,000 |
| Income tax | 773,000 | 1,556,000 | 2,289,000 | 3,256,000 |
| Net income | 1,305,000 | 2,620,000 | 3,860,000 | 5,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,530,000 | 34,845,000 | 36,085,000 | 37,918,000 |
| Total capital | 35,345,000 | 36,617,000 | 37,789,000 | 39,535,000 |
| Risk-weighted assets | 144,352,000 | 140,865,000 | 135,284,000 | 140,411,000 |