Call reports 2002
PACIFIC CREST BANK — 2002
What PACIFIC CREST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 543,508,000 | 551,287,000 | 556,272,000 | 599,114,000 |
| Total loans | 454,352,000 | 468,615,000 | 462,195,000 | 456,127,000 |
| Allowance for loan losses | 8,376,000 | 8,529,000 | 8,583,000 | 8,585,000 |
| Securities available for sale | 77,510,000 | 71,464,000 | 85,225,000 | 130,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,676,000 | 380,532,000 | 375,251,000 | 362,484,000 |
| Interest-bearing deposits | 399,430,000 | 373,898,000 | 367,113,000 | 356,697,000 |
| Noninterest-bearing deposits | 7,246,000 | 6,634,000 | 8,138,000 | 5,787,000 |
| Equity capital | 51,828,000 | 53,714,000 | 55,704,000 | 57,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,580,000 | 21,175,000 | 31,914,000 | 42,267,000 |
| Interest expense | 4,728,000 | 9,061,000 | 12,937,000 | 16,278,000 |
| Net interest income | 5,852,000 | 12,114,000 | 18,977,000 | 25,989,000 |
| Noninterest income | 331,000 | 912,000 | 1,775,000 | 1,947,000 |
| Noninterest expense | 2,917,000 | 6,038,000 | 9,462,000 | 12,444,000 |
| Provision for loan losses | 100,000 | 250,000 | 425,000 | 471,000 |
| Pretax income | 3,166,000 | 6,738,000 | 10,183,000 | 14,258,000 |
| Income tax | 1,362,000 | 2,895,000 | 4,103,000 | 5,716,000 |
| Net income | 1,804,000 | 3,843,000 | 6,080,000 | 8,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,154,000 | 53,389,000 | 54,826,000 | 56,517,000 |
| Total capital | 57,739,000 | 59,135,000 | 60,404,000 | 62,028,000 |
| Risk-weighted assets | 443,989,000 | 456,889,000 | 443,081,000 | 437,816,000 |