Call reports 2015
HOME BANK OF CALIFORNIA — 2015
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 124,190,000 | 121,861,000 | 124,025,000 | 136,090,000 |
| Total loans | 103,903,000 | 110,143,000 | 111,788,000 | 121,880,000 |
| Allowance for loan losses | 1,082,000 | 1,082,000 | 1,082,000 | 1,082,000 |
| Securities available for sale | 0 | 0 | 0 | 212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,548,000 | 82,652,000 | 87,808,000 | 96,614,000 |
| Interest-bearing deposits | 84,354,000 | 82,213,000 | 86,760,000 | 95,936,000 |
| Noninterest-bearing deposits | 2,194,000 | 439,000 | 1,048,000 | 678,000 |
| Equity capital | 21,944,000 | 22,270,000 | 22,309,000 | 22,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,751,000 | 5,632,000 | 7,594,000 |
| Interest expense | 430,000 | 849,000 | 1,235,000 | 1,647,000 |
| Net interest income | 1,443,000 | 2,902,000 | 4,397,000 | 5,947,000 |
| Noninterest income | 46,000 | 89,000 | 81,000 | 124,000 |
| Noninterest expense | 821,000 | 1,453,000 | 2,123,000 | 2,809,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 666,000 | 1,536,000 | 2,353,000 | 3,260,000 |
| Income tax | 23,000 | 54,000 | 82,000 | 114,000 |
| Net income | 643,000 | 1,482,000 | 2,271,000 | 3,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,944,000 | 22,270,000 | 22,309,000 | 22,629,000 |
| Total capital | 22,981,000 | 23,352,000 | 23,391,000 | 23,711,000 |
| Risk-weighted assets | 82,908,000 | 88,680,000 | 87,714,000 | 93,501,000 |