Call reports 2014
HOME BANK OF CALIFORNIA — 2014
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 101,332,000 | 107,476,000 | 115,469,000 | 121,520,000 |
| Total loans | 91,246,000 | 95,052,000 | 102,508,000 | 108,221,000 |
| Allowance for loan losses | 1,059,000 | 1,048,000 | 1,048,000 | 1,082,000 |
| Securities available for sale | 877,000 | 523,000 | 529,000 | 529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,517,000 | 70,072,000 | 79,761,000 | 81,397,000 |
| Interest-bearing deposits | 60,790,000 | 69,362,000 | 78,146,000 | 80,197,000 |
| Noninterest-bearing deposits | 727,000 | 710,000 | 1,615,000 | 1,200,000 |
| Equity capital | 20,939,000 | 21,139,000 | 21,645,000 | 21,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,392,000 | 5,168,000 | 6,991,000 |
| Interest expense | 403,000 | 822,000 | 1,250,000 | 1,682,000 |
| Net interest income | 1,226,000 | 2,570,000 | 3,918,000 | 5,309,000 |
| Noninterest income | -11,000 | 52,000 | 234,000 | 246,000 |
| Noninterest expense | 694,000 | 1,372,000 | 2,029,000 | 2,680,000 |
| Provision for loan losses | 0 | 0 | 0 | 34,000 |
| Pretax income | 521,000 | 1,250,000 | 2,123,000 | 2,848,000 |
| Income tax | 18,000 | 44,000 | 64,000 | 89,000 |
| Net income | 503,000 | 1,206,000 | 2,059,000 | 2,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,935,000 | 21,146,000 | 21,638,000 | 21,834,000 |
| Total capital | 21,917,000 | 22,157,000 | 22,686,000 | 22,916,000 |
| Risk-weighted assets | 78,503,000 | 80,820,000 | 84,103,000 | 88,122,000 |