Call reports 2008
HOME BANK OF CALIFORNIA — 2008
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 152,157,000 | 148,068,000 | 145,242,000 | 149,758,000 |
| Total loans | 142,019,000 | 137,006,000 | 136,691,000 | 136,692,000 |
| Allowance for loan losses | 1,846,000 | 1,781,000 | 1,777,000 | 1,777,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,896,000 | 91,180,000 | 87,998,000 | 94,042,000 |
| Interest-bearing deposits | 95,875,000 | 91,179,000 | 87,997,000 | 94,031,000 |
| Noninterest-bearing deposits | 21,000 | 1,000 | 1,000 | 11,000 |
| Equity capital | 12,748,000 | 13,652,000 | 14,281,000 | 13,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,151,000 | 6,287,000 | 9,124,000 | 11,947,000 |
| Interest expense | 1,622,000 | 3,121,000 | 4,524,000 | 5,927,000 |
| Net interest income | 1,529,000 | 3,166,000 | 4,600,000 | 6,020,000 |
| Noninterest income | 220,000 | 440,000 | 660,000 | 1,071,000 |
| Noninterest expense | 801,000 | 1,486,000 | 2,209,000 | 2,855,000 |
| Provision for loan losses | -30,000 | -96,000 | -100,000 | -100,000 |
| Pretax income | 978,000 | 2,216,000 | 3,151,000 | 4,336,000 |
| Income tax | 34,000 | 68,000 | 74,000 | 88,000 |
| Net income | 944,000 | 2,148,000 | 3,077,000 | 4,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,748,000 | 13,652,000 | 14,281,000 | 13,947,000 |
| Total capital | 14,462,000 | 15,290,000 | 15,924,000 | 15,593,000 |
| Risk-weighted assets | 137,009,000 | 130,861,000 | 131,307,000 | 131,556,000 |