Call reports 2004
HOME BANK OF CALIFORNIA — 2004
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 147,211,000 | 152,946,000 | 163,025,000 | 166,306,000 |
| Total loans | 138,320,000 | 144,901,000 | 153,615,000 | 156,083,000 |
| Allowance for loan losses | 1,798,000 | 1,884,000 | 1,997,000 | 2,029,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,435,000 | 125,766,000 | 135,316,000 | 136,497,000 |
| Interest-bearing deposits | 128,433,000 | 125,765,000 | 135,315,000 | 136,490,000 |
| Noninterest-bearing deposits | 2,000 | 1,000 | 1,000 | 7,000 |
| Equity capital | 14,342,000 | 15,160,000 | 15,718,000 | 15,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,535,000 | 5,249,000 | 7,973,000 | 10,883,000 |
| Interest expense | 811,000 | 1,624,000 | 2,498,000 | 3,454,000 |
| Net interest income | 1,724,000 | 3,625,000 | 5,475,000 | 7,429,000 |
| Noninterest income | 1,000 | 4,000 | 18,000 | 13,000 |
| Noninterest expense | 601,000 | 1,162,000 | 1,755,000 | 2,394,000 |
| Provision for loan losses | 106,000 | 192,000 | 305,000 | 337,000 |
| Pretax income | 1,018,000 | 2,275,000 | 3,433,000 | 4,711,000 |
| Income tax | 19,000 | 37,000 | 52,000 | 71,000 |
| Net income | 999,000 | 2,238,000 | 3,381,000 | 4,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,342,000 | 15,160,000 | 15,718,000 | 15,788,000 |
| Total capital | 16,059,000 | 16,949,000 | 17,597,000 | 17,682,000 |
| Risk-weighted assets | 137,329,000 | 143,036,000 | 150,233,000 | 151,407,000 |