Call reports 2008
PACIFIC ENTERPRISE BANK — 2008
What PACIFIC ENTERPRISE 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 | 52,650,000 | 62,605,000 | 68,376,000 | 92,893,000 |
| Total loans | 31,862,000 | 39,716,000 | 49,694,000 | 62,346,000 |
| Allowance for loan losses | 396,000 | 501,000 | 639,000 | 1,113,000 |
| Securities available for sale | 13,105,000 | 10,992,000 | 7,810,000 | 13,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,595,000 | 33,972,000 | 40,011,000 | 57,832,000 |
| Interest-bearing deposits | 11,437,000 | 16,257,000 | 23,311,000 | 42,647,000 |
| Noninterest-bearing deposits | 12,158,000 | 17,715,000 | 16,700,000 | 15,185,000 |
| Equity capital | 23,154,000 | 22,594,000 | 22,202,000 | 21,712,000 |
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 | 698,000 | 1,460,000 | 2,380,000 | 3,442,000 |
| Interest expense | 97,000 | 231,000 | 396,000 | 656,000 |
| Net interest income | 601,000 | 1,229,000 | 1,984,000 | 2,786,000 |
| Noninterest income | 41,000 | 189,000 | 259,000 | 379,000 |
| Noninterest expense | 1,209,000 | 2,394,000 | 3,603,000 | 4,767,000 |
| Provision for loan losses | 123,000 | 227,000 | 382,000 | 878,000 |
| Pretax income | -690,000 | -1,203,000 | -1,742,000 | -2,480,000 |
| Income tax | 0 | 1,000 | 0 | 0 |
| Net income | -690,000 | -1,204,000 | -1,742,000 | -2,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,955,000 | 22,586,000 | 22,157,000 | 21,543,000 |
| Total capital | 23,387,000 | 23,144,000 | 22,898,000 | 22,512,000 |
| Risk-weighted assets | 34,581,000 | 45,444,000 | 60,764,000 | 77,272,000 |