Call reports 2009
HOME BANK OF CALIFORNIA — 2009
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 164,349,000 | 165,286,000 | 167,326,000 | 163,092,000 |
| Total loans | 147,791,000 | 148,511,000 | 146,075,000 | 145,154,000 |
| Allowance for loan losses | 1,921,000 | 1,931,000 | 2,008,000 | 2,192,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,481,000 | 110,247,000 | 112,118,000 | 107,891,000 |
| Interest-bearing deposits | 109,155,000 | 109,838,000 | 111,677,000 | 106,556,000 |
| Noninterest-bearing deposits | 326,000 | 409,000 | 441,000 | 1,336,000 |
| Equity capital | 13,448,000 | 14,360,000 | 14,770,000 | 15,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,663,000 | 5,798,000 | 8,530,000 | 11,530,000 |
| Interest expense | 1,403,000 | 2,795,000 | 4,127,000 | 5,347,000 |
| Net interest income | 1,260,000 | 3,003,000 | 4,403,000 | 6,183,000 |
| Noninterest income | 224,000 | 361,000 | 607,000 | 831,000 |
| Noninterest expense | 844,000 | 1,647,000 | 2,503,000 | 3,265,000 |
| Provision for loan losses | 144,000 | 154,000 | 231,000 | 415,000 |
| Pretax income | 496,000 | 1,563,000 | 2,276,000 | 3,334,000 |
| Income tax | -5,000 | 10,000 | 12,000 | 27,000 |
| Net income | 501,000 | 1,553,000 | 2,264,000 | 3,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,448,000 | 14,360,000 | 14,770,000 | 15,104,000 |
| Total capital | 15,221,000 | 16,156,000 | 16,524,000 | 16,811,000 |
| Risk-weighted assets | 141,729,000 | 143,570,000 | 140,060,000 | 136,103,000 |