Call reports 2003
PACIFIC CREST BANK — 2003
What PACIFIC CREST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 601,022,000 | 591,555,000 | 591,737,000 | 566,540,000 |
| Total loans | 456,565,000 | 448,819,000 | 437,762,000 | 422,621,000 |
| Allowance for loan losses | 8,635,000 | 8,685,000 | 8,735,000 | 8,735,000 |
| Securities available for sale | 132,109,000 | 129,194,000 | 141,749,000 | 128,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,656,000 | 355,498,000 | 341,446,000 | 312,300,000 |
| Interest-bearing deposits | 357,913,000 | 349,324,000 | 331,610,000 | 303,870,000 |
| Noninterest-bearing deposits | 6,743,000 | 6,174,000 | 9,836,000 | 8,430,000 |
| Equity capital | 59,207,000 | 61,952,000 | 63,099,000 | 64,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,083,000 | 20,320,000 | 30,047,000 | 39,834,000 |
| Interest expense | 3,241,000 | 6,507,000 | 9,616,000 | 12,521,000 |
| Net interest income | 6,842,000 | 13,813,000 | 20,431,000 | 27,313,000 |
| Noninterest income | 559,000 | 1,300,000 | 1,990,000 | 2,712,000 |
| Noninterest expense | 3,158,000 | 6,352,000 | 9,521,000 | 13,205,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 174,000 |
| Pretax income | 4,213,000 | 9,177,000 | 13,266,000 | 17,162,000 |
| Income tax | 1,775,000 | 3,865,000 | 5,587,000 | 6,916,000 |
| Net income | 2,438,000 | 5,312,000 | 7,679,000 | 10,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,126,000 | 60,192,000 | 61,751,000 | 63,508,000 |
| Total capital | 63,650,000 | 65,669,000 | 67,106,000 | 68,694,000 |
| Risk-weighted assets | 438,756,000 | 434,889,000 | 425,005,000 | 411,899,000 |