Call reports 2010
HOME BANK OF CALIFORNIA — 2010
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 161,895,000 | 163,134,000 | 160,022,000 | 146,659,000 |
| Total loans | 142,652,000 | 137,766,000 | 135,397,000 | 128,548,000 |
| Allowance for loan losses | 2,192,000 | 2,095,000 | 2,017,000 | 2,106,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,596,000 | 108,856,000 | 105,355,000 | 93,271,000 |
| Interest-bearing deposits | 106,981,000 | 107,747,000 | 104,607,000 | 92,291,000 |
| Noninterest-bearing deposits | 615,000 | 1,109,000 | 747,000 | 980,000 |
| Equity capital | 16,011,000 | 16,247,000 | 16,847,000 | 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 | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,490,000 | 8,122,000 | 10,718,000 |
| Interest expense | 1,090,000 | 2,144,000 | 3,167,000 | 4,109,000 |
| Net interest income | 1,690,000 | 3,346,000 | 4,955,000 | 6,609,000 |
| Noninterest income | 66,000 | 274,000 | 305,000 | 624,000 |
| Noninterest expense | 831,000 | 1,652,000 | 2,471,000 | 3,392,000 |
| Provision for loan losses | 0 | 150,000 | 364,000 | 544,000 |
| Pretax income | 925,000 | 1,818,000 | 2,425,000 | 3,297,000 |
| Income tax | 18,000 | 35,000 | 42,000 | 58,000 |
| Net income | 907,000 | 1,783,000 | 2,383,000 | 3,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,011,000 | 16,247,000 | 16,847,000 | 17,403,000 |
| Total capital | 17,670,000 | 17,852,000 | 18,413,000 | 18,887,000 |
| Risk-weighted assets | 132,221,000 | 127,873,000 | 124,796,000 | 118,079,000 |