Call reports 2014
PACIFIC NATIONAL BANK — 2014
What PACIFIC NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 351,110,000 | 354,257,000 | 352,695,000 | 377,593,000 |
| Total loans | 165,993,000 | 169,045,000 | 169,244,000 | 169,453,000 |
| Allowance for loan losses | 2,684,000 | 2,568,000 | 2,420,000 | 52,000 |
| Securities available for sale | 80,479,000 | 80,812,000 | 74,369,000 | 100,690,000 |
| Securities held to maturity | 32,619,000 | 32,479,000 | 31,229,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,699,000 | 200,256,000 | 192,525,000 | 198,749,000 |
| Interest-bearing deposits | 170,398,000 | 173,695,000 | 167,232,000 | 169,855,000 |
| Noninterest-bearing deposits | 27,300,000 | 26,561,000 | 25,293,000 | 28,894,000 |
| Equity capital | 38,581,000 | 40,188,000 | 40,225,000 | 52,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,800,000 | 5,650,000 | 8,569,000 | 1,947,000 |
| Interest expense | 300,000 | 609,000 | 918,000 | 153,000 |
| Net interest income | 2,500,000 | 5,041,000 | 7,651,000 | 1,794,000 |
| Noninterest income | 216,000 | 516,000 | 723,000 | 98,000 |
| Noninterest expense | 2,637,000 | 5,327,000 | 7,871,000 | 1,764,000 |
| Provision for loan losses | 0 | -119,000 | -187,000 | 50,000 |
| Pretax income | 150,000 | 421,000 | 797,000 | 79,000 |
| Income tax | 0 | 0 | 0 | 167,000 |
| Net income | 150,000 | 421,000 | 797,000 | -88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,543,000 | 40,815,000 | 41,191,000 | 51,378,000 |
| Total capital | 43,083,000 | 43,451,000 | 43,676,000 | 51,433,000 |
| Risk-weighted assets | 202,966,000 | 210,888,000 | 210,541,000 | 214,180,000 |