Call reports 2016
PACIFIC ENTERPRISE BANK — 2016
What PACIFIC ENTERPRISE 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 | 467,762,000 | 468,440,000 | 467,988,000 | 481,568,000 |
| Total loans | 347,014,000 | 370,670,000 | 367,552,000 | 381,448,000 |
| Allowance for loan losses | 3,711,000 | 3,837,000 | 3,918,000 | 3,817,000 |
| Securities available for sale | 3,757,000 | 3,693,000 | 3,608,000 | 3,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,366,000 | 417,198,000 | 413,884,000 | 425,703,000 |
| Interest-bearing deposits | 344,092,000 | 325,418,000 | 314,180,000 | 333,671,000 |
| Noninterest-bearing deposits | 74,274,000 | 91,780,000 | 99,704,000 | 92,032,000 |
| Equity capital | 46,669,000 | 48,153,000 | 50,324,000 | 51,525,000 |
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 | 6,281,000 | 12,935,000 | 20,031,000 | 27,111,000 |
| Interest expense | 734,000 | 1,479,000 | 2,274,000 | 3,084,000 |
| Net interest income | 5,547,000 | 11,456,000 | 17,757,000 | 24,027,000 |
| Noninterest income | 291,000 | 1,105,000 | 2,760,000 | 3,057,000 |
| Noninterest expense | 4,864,000 | 9,425,000 | 14,046,000 | 18,931,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 220,000 |
| Pretax income | 914,000 | 3,016,000 | 6,301,000 | 7,933,000 |
| Income tax | 382,000 | 1,261,000 | 2,634,000 | 3,316,000 |
| Net income | 532,000 | 1,755,000 | 3,667,000 | 4,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,021,000 | 47,428,000 | 49,424,000 | 50,704,000 |
| Total capital | 49,437,000 | 51,117,000 | 53,205,000 | 54,594,000 |
| Risk-weighted assets | 272,794,000 | 294,793,000 | 302,178,000 | 311,100,000 |