Call reports 2007
PACIFIC NATIONAL BANK — 2007
What PACIFIC NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 369,319,000 | 356,885,000 | 372,945,000 | 384,140,000 |
| Total loans | 86,980,000 | 99,205,000 | 101,610,000 | 118,012,000 |
| Allowance for loan losses | 1,379,000 | 1,487,000 | 464,000 | 690,000 |
| Securities available for sale | 202,612,000 | 201,197,000 | 206,386,000 | 188,403,000 |
| Securities held to maturity | 1,638,000 | 1,462,000 | 1,423,000 | 1,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,093,000 | 255,763,000 | 239,394,000 | 233,427,000 |
| Interest-bearing deposits | 138,128,000 | 133,722,000 | 127,893,000 | 125,724,000 |
| Noninterest-bearing deposits | 132,965,000 | 122,041,000 | 111,501,000 | 107,703,000 |
| Equity capital | 38,486,000 | 39,262,000 | 41,504,000 | 42,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,856,000 | 9,939,000 | 15,102,000 | 19,968,000 |
| Interest expense | 945,000 | 2,031,000 | 3,436,000 | 4,642,000 |
| Net interest income | 3,911,000 | 7,908,000 | 11,666,000 | 15,326,000 |
| Noninterest income | 898,000 | 1,642,000 | 2,317,000 | 2,941,000 |
| Noninterest expense | 2,882,000 | 6,086,000 | 8,914,000 | 11,835,000 |
| Provision for loan losses | -291,000 | -221,000 | -625,000 | -407,000 |
| Pretax income | 2,218,000 | 3,686,000 | 5,695,000 | 6,840,000 |
| Income tax | 807,000 | 875,000 | 1,556,000 | 2,179,000 |
| Net income | 1,411,000 | 2,811,000 | 4,139,000 | 4,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,328,000 | 40,728,000 | 42,063,000 | 42,550,000 |
| Total capital | 40,707,000 | 42,215,000 | 42,527,000 | 43,240,000 |
| Risk-weighted assets | 146,205,000 | 146,171,000 | 153,593,000 | 167,605,000 |