Call reports 2008
PACIFIC NATIONAL BANK — 2008
What PACIFIC NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 503,735,000 | 520,179,000 | 517,890,000 | 449,897,000 |
| Total loans | 122,256,000 | 124,825,000 | 123,767,000 | 127,998,000 |
| Allowance for loan losses | 957,000 | 1,285,000 | 1,785,000 | 2,245,000 |
| Securities available for sale | 180,491,000 | 184,377,000 | 172,145,000 | 156,499,000 |
| Securities held to maturity | 1,093,000 | 991,000 | 850,000 | 765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,247,000 | 215,044,000 | 210,482,000 | 220,120,000 |
| Interest-bearing deposits | 112,742,000 | 112,338,000 | 112,900,000 | 122,450,000 |
| Noninterest-bearing deposits | 111,505,000 | 102,706,000 | 97,582,000 | 97,670,000 |
| Equity capital | 44,357,000 | 41,864,000 | 41,976,000 | 42,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,915,000 | 10,197,000 | 15,679,000 | 20,559,000 |
| Interest expense | 1,258,000 | 2,718,000 | 4,002,000 | 4,316,000 |
| Net interest income | 3,657,000 | 7,479,000 | 11,677,000 | 16,243,000 |
| Noninterest income | 968,000 | 1,594,000 | 2,117,000 | 2,677,000 |
| Noninterest expense | 3,303,000 | 6,794,000 | 10,650,000 | 14,725,000 |
| Provision for loan losses | -199,000 | 2,945,000 | 3,672,000 | 4,596,000 |
| Pretax income | 1,521,000 | -513,000 | -266,000 | 306,000 |
| Income tax | 558,000 | -128,000 | -21,000 | -75,000 |
| Net income | 963,000 | -385,000 | -245,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,512,000 | 42,161,000 | 42,303,000 | 42,924,000 |
| Total capital | 44,469,000 | 43,446,000 | 44,088,000 | 45,169,000 |
| Risk-weighted assets | 199,062,000 | 210,989,000 | 212,112,000 | 193,937,000 |