Call reports 2008
AMERICA CALIFORNIA BANK — 2008
What AMERICA CALIFORNIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 151,413,000 | 151,486,000 | 146,639,000 | 143,091,000 |
| Total loans | 113,597,000 | 111,577,000 | 116,074,000 | 114,041,000 |
| Allowance for loan losses | 1,407,000 | 1,407,000 | 1,865,000 | 1,782,000 |
| Securities available for sale | 3,635,000 | 3,210,000 | 2,215,000 | 5,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,701,000 | 108,488,000 | 104,020,000 | 101,553,000 |
| Interest-bearing deposits | 99,519,000 | 99,454,000 | 96,081,000 | 94,848,000 |
| Noninterest-bearing deposits | 9,182,000 | 9,034,000 | 7,939,000 | 6,705,000 |
| Equity capital | 18,615,000 | 18,838,000 | 18,771,000 | 18,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,613,000 | 4,972,000 | 7,234,000 | 9,326,000 |
| Interest expense | 1,209,000 | 2,411,000 | 3,552,000 | 4,642,000 |
| Net interest income | 1,404,000 | 2,561,000 | 3,682,000 | 4,684,000 |
| Noninterest income | 218,000 | 468,000 | 678,000 | 849,000 |
| Noninterest expense | 986,000 | 1,939,000 | 2,936,000 | 3,920,000 |
| Provision for loan losses | 0 | 0 | 458,000 | 1,036,000 |
| Pretax income | 636,000 | 1,090,000 | 966,000 | 577,000 |
| Income tax | 247,000 | 424,000 | 362,000 | 199,000 |
| Net income | 389,000 | 666,000 | 604,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,385,000 | 18,663,000 | 18,570,000 | 18,147,000 |
| Total capital | 19,828,000 | 20,106,000 | 20,073,000 | 19,629,000 |
| Risk-weighted assets | 119,244,000 | 117,499,000 | 119,865,000 | 118,239,000 |
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