Call reports 2003
HOME BANK OF CALIFORNIA — 2003
What HOME 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 | 133,284,000 | 129,713,000 | 131,027,000 | 138,348,000 |
| Total loans | 122,212,000 | 122,714,000 | 123,205,000 | 130,136,000 |
| Allowance for loan losses | 1,589,000 | 1,595,000 | 1,602,000 | 1,692,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,854,000 | 111,615,000 | 113,221,000 | 119,110,000 |
| Interest-bearing deposits | 115,853,000 | 111,614,000 | 113,217,000 | 119,107,000 |
| Noninterest-bearing deposits | 1,000 | 1,000 | 4,000 | 3,000 |
| Equity capital | 12,982,000 | 13,612,000 | 13,318,000 | 13,343,000 |
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 | 2,740,000 | 5,342,000 | 8,052,000 | 10,667,000 |
| Interest expense | 1,039,000 | 1,999,000 | 2,915,000 | 3,765,000 |
| Net interest income | 1,701,000 | 3,343,000 | 5,137,000 | 6,902,000 |
| Noninterest income | 7,000 | 19,000 | 21,000 | 24,000 |
| Noninterest expense | 640,000 | 1,187,000 | 1,736,000 | 2,300,000 |
| Provision for loan losses | -41,000 | -35,000 | -28,000 | 62,000 |
| Pretax income | 1,109,000 | 2,210,000 | 3,450,000 | 4,564,000 |
| Income tax | 39,000 | 77,000 | 121,000 | 160,000 |
| Net income | 1,070,000 | 2,133,000 | 3,329,000 | 4,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,982,000 | 13,612,000 | 13,318,000 | 13,343,000 |
| Total capital | 14,525,000 | 15,152,000 | 14,874,000 | 14,951,000 |
| Risk-weighted assets | 123,412,000 | 123,116,000 | 124,411,000 | 128,524,000 |