Call reports 2015
PACIFIC ENTERPRISE BANK — 2015
What PACIFIC ENTERPRISE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 390,686,000 | 411,598,000 | 439,259,000 | 453,047,000 |
| Total loans | 291,839,000 | 315,982,000 | 339,136,000 | 324,655,000 |
| Allowance for loan losses | 3,675,000 | 3,900,000 | 3,859,000 | 3,843,000 |
| Securities available for sale | 8,100,000 | 5,984,000 | 3,909,000 | 3,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,342,000 | 356,450,000 | 382,521,000 | 402,646,000 |
| Interest-bearing deposits | 244,514,000 | 263,393,000 | 288,633,000 | 327,493,000 |
| Noninterest-bearing deposits | 89,828,000 | 93,057,000 | 93,888,000 | 75,153,000 |
| Equity capital | 43,905,000 | 42,610,000 | 43,928,000 | 45,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,646,000 | 11,457,000 | 17,570,000 | 23,787,000 |
| Interest expense | 538,000 | 1,084,000 | 1,707,000 | 2,338,000 |
| Net interest income | 5,108,000 | 10,373,000 | 15,863,000 | 21,449,000 |
| Noninterest income | 433,000 | 766,000 | 1,135,000 | 3,012,000 |
| Noninterest expense | 3,444,000 | 7,049,000 | 11,101,000 | 15,594,000 |
| Provision for loan losses | 40,000 | 90,000 | 90,000 | 120,000 |
| Pretax income | 2,057,000 | 4,000,000 | 5,811,000 | 8,751,000 |
| Income tax | 860,000 | 1,672,000 | 2,429,000 | 3,658,000 |
| Net income | 1,197,000 | 2,328,000 | 3,382,000 | 5,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,500,000 | 42,254,000 | 43,605,000 | 45,393,000 |
| Total capital | 46,591,000 | 45,419,000 | 46,897,000 | 48,638,000 |
| Risk-weighted assets | 246,547,000 | 252,280,000 | 262,609,000 | 258,771,000 |