Call reports 2007
HOME BANK OF CALIFORNIA — 2007
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 161,918,000 | 159,323,000 | 153,726,000 | 152,140,000 |
| Total loans | 149,789,000 | 147,658,000 | 147,258,000 | 144,364,000 |
| Allowance for loan losses | 1,947,000 | 1,920,000 | 1,915,000 | 1,877,000 |
| Securities available for sale | 5,980,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,796,000 | 104,129,000 | 97,781,000 | 96,620,000 |
| Interest-bearing deposits | 104,795,000 | 104,127,000 | 97,780,000 | 96,617,000 |
| Noninterest-bearing deposits | 1,000 | 2,000 | 1,000 | 3,000 |
| Equity capital | 18,432,000 | 16,277,000 | 11,808,000 | 11,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,679,000 | 7,314,000 | 10,764,000 | 14,114,000 |
| Interest expense | 1,774,000 | 3,498,000 | 5,248,000 | 6,946,000 |
| Net interest income | 1,905,000 | 3,816,000 | 5,516,000 | 7,168,000 |
| Noninterest income | 1,000 | 8,000 | 10,000 | 230,000 |
| Noninterest expense | 688,000 | 1,344,000 | 1,982,000 | 2,745,000 |
| Provision for loan losses | 21,000 | -6,000 | -11,000 | -49,000 |
| Pretax income | 1,197,000 | 2,486,000 | 3,555,000 | 4,702,000 |
| Income tax | 42,000 | 87,000 | 124,000 | 165,000 |
| Net income | 1,155,000 | 2,399,000 | 3,431,000 | 4,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,433,000 | 16,277,000 | 11,808,000 | 11,804,000 |
| Total capital | 20,243,000 | 18,084,000 | 13,579,000 | 13,521,000 |
| Risk-weighted assets | 144,624,000 | 144,443,000 | 141,562,000 | 137,181,000 |