Call reports 2006
HOME BANK OF CALIFORNIA — 2006
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 173,475,000 | 168,834,000 | 162,286,000 | 164,637,000 |
| Total loans | 163,819,000 | 155,638,000 | 147,150,000 | 148,107,000 |
| Allowance for loan losses | 2,130,000 | 2,023,000 | 1,913,000 | 1,926,000 |
| Securities available for sale | 0 | 4,930,000 | 6,945,000 | 5,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,658,000 | 118,891,000 | 107,328,000 | 110,629,000 |
| Interest-bearing deposits | 130,655,000 | 118,888,000 | 107,326,000 | 110,624,000 |
| Noninterest-bearing deposits | 3,000 | 3,000 | 2,000 | 5,000 |
| Equity capital | 18,807,000 | 19,145,000 | 18,156,000 | 17,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,684,000 | 7,562,000 | 11,477,000 | 15,365,000 |
| Interest expense | 1,507,000 | 3,112,000 | 4,779,000 | 6,517,000 |
| Net interest income | 2,177,000 | 4,450,000 | 6,698,000 | 8,848,000 |
| Noninterest income | 4,000 | 6,000 | 7,000 | 9,000 |
| Noninterest expense | 699,000 | 1,329,000 | 1,942,000 | 2,575,000 |
| Provision for loan losses | 27,000 | -80,000 | -190,000 | -177,000 |
| Pretax income | 1,455,000 | 3,207,000 | 4,956,000 | 6,464,000 |
| Income tax | 51,000 | 112,000 | 173,000 | 226,000 |
| Net income | 1,404,000 | 3,095,000 | 4,783,000 | 6,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,807,000 | 19,149,000 | 18,155,000 | 17,277,000 |
| Total capital | 20,810,000 | 21,054,000 | 19,933,000 | 19,074,000 |
| Risk-weighted assets | 160,123,000 | 152,268,000 | 142,096,000 | 143,618,000 |