Call reports 2007
AMERICA CALIFORNIA BANK — 2007
What AMERICA CALIFORNIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 148,156,000 | 145,362,000 | 151,656,000 | 152,015,000 |
| Total loans | 112,359,000 | 107,639,000 | 115,849,000 | 117,674,000 |
| Allowance for loan losses | 1,358,000 | 1,388,000 | 1,447,000 | 1,407,000 |
| Securities available for sale | 20,269,000 | 18,472,000 | 15,362,000 | 9,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,898,000 | 111,225,000 | 116,706,000 | 117,602,000 |
| Interest-bearing deposits | 104,194,000 | 102,668,000 | 107,600,000 | 108,172,000 |
| Noninterest-bearing deposits | 7,704,000 | 8,557,000 | 9,106,000 | 9,430,000 |
| Equity capital | 17,135,000 | 17,296,000 | 17,913,000 | 18,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,768,000 | 5,668,000 | 8,525,000 | 11,402,000 |
| Interest expense | 1,245,000 | 2,588,000 | 3,925,000 | 5,267,000 |
| Net interest income | 1,523,000 | 3,080,000 | 4,600,000 | 6,135,000 |
| Noninterest income | 145,000 | 330,000 | 811,000 | 1,047,000 |
| Noninterest expense | 962,000 | 1,844,000 | 2,854,000 | 3,942,000 |
| Provision for loan losses | 31,000 | 697,000 | 756,000 | 716,000 |
| Pretax income | 675,000 | 869,000 | 1,801,000 | 2,524,000 |
| Income tax | 269,000 | 335,000 | 708,000 | 970,000 |
| Net income | 406,000 | 534,000 | 1,093,000 | 1,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,290,000 | 17,438,000 | 17,997,000 | 18,229,000 |
| Total capital | 18,691,000 | 18,869,000 | 19,488,000 | 19,672,000 |
| Risk-weighted assets | 115,648,000 | 114,787,000 | 120,851,000 | 122,800,000 |
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