Call reports 2016
PACIFIC NATIONAL BANK — 2016
What PACIFIC NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 447,685,000 | 460,304,000 | 462,631,000 | 455,666,000 |
| Total loans | 290,895,000 | 304,999,000 | 318,965,000 | 305,661,000 |
| Allowance for loan losses | 762,000 | 1,052,000 | 1,181,000 | 1,553,000 |
| Securities available for sale | 66,346,000 | 63,623,000 | 67,570,000 | 82,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,103,000 | 330,967,000 | 353,845,000 | 318,579,000 |
| Interest-bearing deposits | 280,162,000 | 290,851,000 | 315,051,000 | 277,407,000 |
| Noninterest-bearing deposits | 39,941,000 | 40,116,000 | 38,794,000 | 41,172,000 |
| Equity capital | 55,132,000 | 56,157,000 | 57,418,000 | 57,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,163,000 | 8,345,000 | 12,863,000 | 17,325,000 |
| Interest expense | 537,000 | 1,145,000 | 1,841,000 | 2,581,000 |
| Net interest income | 3,626,000 | 7,200,000 | 11,022,000 | 14,744,000 |
| Noninterest income | -31,000 | 200,000 | 313,000 | 415,000 |
| Noninterest expense | 2,530,000 | 5,191,000 | 7,750,000 | 10,422,000 |
| Provision for loan losses | 156,000 | 446,000 | 575,000 | 947,000 |
| Pretax income | 909,000 | 1,763,000 | 3,284,000 | 4,148,000 |
| Income tax | 22,000 | 50,000 | 72,000 | 94,000 |
| Net income | 887,000 | 1,713,000 | 3,212,000 | 4,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,692,000 | 55,510,000 | 57,011,000 | 57,853,000 |
| Total capital | 55,607,000 | 56,635,000 | 58,302,000 | 59,478,000 |
| Risk-weighted assets | 238,188,000 | 249,711,000 | 250,809,000 | 283,602,000 |