Call reports 2003
BUSINESS BANK OF CALIFORNIA — 2003
What BUSINESS BANK OF CALIFORNIA 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 | 624,907,000 | 662,046,000 | 674,675,000 | 698,623,000 |
| Total loans | 377,176,000 | 394,794,000 | 400,851,000 | 418,526,000 |
| Allowance for loan losses | 5,562,000 | 5,434,000 | 5,634,000 | 5,630,000 |
| Securities available for sale | 168,965,000 | 191,157,000 | 192,801,000 | 211,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,273,000 | 554,028,000 | 583,177,000 | 597,587,000 |
| Interest-bearing deposits | 350,139,000 | 360,181,000 | 362,459,000 | 375,359,000 |
| Noninterest-bearing deposits | 185,134,000 | 193,847,000 | 220,718,000 | 222,228,000 |
| Equity capital | 69,363,000 | 71,021,000 | 72,069,000 | 74,020,000 |
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 | 8,807,000 | 17,664,000 | 26,623,000 | 35,786,000 |
| Interest expense | 1,178,000 | 2,296,000 | 3,248,000 | 4,137,000 |
| Net interest income | 7,629,000 | 15,368,000 | 23,375,000 | 31,649,000 |
| Noninterest income | 1,243,000 | 2,845,000 | 4,403,000 | 6,163,000 |
| Noninterest expense | 5,847,000 | 11,985,000 | 18,242,000 | 24,467,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 300,000 |
| Pretax income | 2,925,000 | 6,028,000 | 9,236,000 | 13,045,000 |
| Income tax | 1,110,000 | 2,293,000 | 3,516,000 | 4,981,000 |
| Net income | 1,815,000 | 3,735,000 | 5,720,000 | 8,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,017,000 | 46,966,000 | 49,005,000 | 51,433,000 |
| Total capital | 51,579,000 | 52,532,000 | 54,769,000 | 57,193,000 |
| Risk-weighted assets | 445,914,000 | 477,279,000 | 494,659,000 | 511,990,000 |