Call reports 2016
HOME BANK OF CALIFORNIA — 2016
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,292,000 | 133,621,000 | 143,635,000 | 151,508,000 |
| Total loans | 124,437,000 | 122,099,000 | 133,054,000 | 141,097,000 |
| Allowance for loan losses | 1,149,000 | 1,217,000 | 1,284,000 | 1,410,000 |
| Securities available for sale | 205,000 | 191,000 | 169,000 | 155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,777,000 | 97,926,000 | 102,085,000 | 106,199,000 |
| Interest-bearing deposits | 97,258,000 | 97,527,000 | 99,432,000 | 105,525,000 |
| Noninterest-bearing deposits | 519,000 | 399,000 | 2,653,000 | 674,000 |
| Equity capital | 22,517,000 | 22,887,000 | 22,957,000 | 23,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,042,000 | 4,201,000 | 6,304,000 | 8,612,000 |
| Interest expense | 407,000 | 796,000 | 1,177,000 | 1,592,000 |
| Net interest income | 1,635,000 | 3,405,000 | 5,127,000 | 7,020,000 |
| Noninterest income | 23,000 | 40,000 | -17,000 | 1,000 |
| Noninterest expense | 827,000 | 1,552,000 | 2,279,000 | 2,992,000 |
| Provision for loan losses | 67,000 | 135,000 | 202,000 | 202,000 |
| Pretax income | 764,000 | 1,758,000 | 2,629,000 | 3,827,000 |
| Income tax | 27,000 | 62,000 | 92,000 | 134,000 |
| Net income | 737,000 | 1,696,000 | 2,537,000 | 3,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,514,000 | 22,884,000 | 22,957,000 | 23,440,000 |
| Total capital | 23,663,000 | 24,038,000 | 24,241,000 | 24,787,000 |
| Risk-weighted assets | 94,892,000 | 92,256,000 | 103,203,000 | 107,673,000 |