Call reports 2005
AMERICA CALIFORNIA BANK — 2005
What AMERICA CALIFORNIA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 126,507,000 | 128,338,000 | 132,134,000 | 133,178,000 |
| Total loans | 87,998,000 | 92,184,000 | 92,874,000 | 90,218,000 |
| Allowance for loan losses | 1,275,000 | 1,287,000 | 1,292,000 | 1,293,000 |
| Securities available for sale | 23,958,000 | 24,711,000 | 26,185,000 | 26,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,396,000 | 103,713,000 | 106,164,000 | 104,909,000 |
| Interest-bearing deposits | 93,478,000 | 92,873,000 | 95,312,000 | 93,977,000 |
| Noninterest-bearing deposits | 12,918,000 | 10,840,000 | 10,852,000 | 10,932,000 |
| Equity capital | 13,402,000 | 14,004,000 | 14,292,000 | 14,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,852,000 | 3,843,000 | 5,976,000 | 8,203,000 |
| Interest expense | 480,000 | 1,001,000 | 1,654,000 | 2,374,000 |
| Net interest income | 1,372,000 | 2,842,000 | 4,322,000 | 5,829,000 |
| Noninterest income | 114,000 | 234,000 | 371,000 | 505,000 |
| Noninterest expense | 877,000 | 1,746,000 | 2,620,000 | 3,520,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 609,000 | 1,320,000 | 2,063,000 | 2,804,000 |
| Income tax | 243,000 | 537,000 | 845,000 | 1,176,000 |
| Net income | 366,000 | 783,000 | 1,218,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,482,000 | 14,028,000 | 14,353,000 | 14,600,000 |
| Total capital | 14,703,000 | 15,291,000 | 15,637,000 | 15,857,000 |
| Risk-weighted assets | 97,622,000 | 101,009,000 | 102,725,000 | 100,485,000 |
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