Call reports 2005
HOME BANK OF CALIFORNIA — 2005
What HOME BANK OF CALIFORNIA 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 | 168,839,000 | 172,475,000 | 172,689,000 | 170,530,000 |
| Total loans | 160,764,000 | 164,528,000 | 164,108,000 | 161,751,000 |
| Allowance for loan losses | 2,090,000 | 2,139,000 | 2,133,000 | 2,103,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,865,000 | 132,560,000 | 134,131,000 | 133,936,000 |
| Interest-bearing deposits | 133,864,000 | 132,559,000 | 134,128,000 | 133,925,000 |
| Noninterest-bearing deposits | 1,000 | 1,000 | 3,000 | 11,000 |
| Equity capital | 17,155,000 | 17,145,000 | 18,082,000 | 17,403,000 |
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 | 3,153,000 | 6,444,000 | 10,033,000 | 13,847,000 |
| Interest expense | 1,010,000 | 2,180,000 | 3,522,000 | 4,956,000 |
| Net interest income | 2,143,000 | 4,264,000 | 6,511,000 | 8,891,000 |
| Noninterest income | 1,000 | 2,000 | 3,000 | 5,000 |
| Noninterest expense | 666,000 | 1,258,000 | 1,859,000 | 2,486,000 |
| Provision for loan losses | 61,000 | 110,000 | 104,000 | 74,000 |
| Pretax income | 1,417,000 | 2,898,000 | 4,551,000 | 6,336,000 |
| Income tax | 50,000 | 101,000 | 159,000 | 222,000 |
| Net income | 1,367,000 | 2,797,000 | 4,392,000 | 6,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,155,000 | 17,145,000 | 18,082,000 | 17,403,000 |
| Total capital | 19,095,000 | 19,147,000 | 20,091,000 | 19,372,000 |
| Risk-weighted assets | 155,050,000 | 160,023,000 | 160,569,000 | 157,416,000 |