Call reports 2020
HOME BANK OF CALIFORNIA — 2020
What HOME BANK OF CALIFORNIA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 180,358,000 | 198,401,000 | 205,853,000 | 201,935,000 |
| Total loans | 165,535,000 | 172,697,000 | 177,674,000 | 184,196,000 |
| Allowance for loan losses | 1,410,000 | 1,707,000 | 1,859,000 | 2,001,000 |
| Securities available for sale | 49,000 | 44,000 | 1,935,000 | 1,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,598,000 | 150,166,000 | 159,373,000 | 155,146,000 |
| Interest-bearing deposits | 130,232,000 | 146,096,000 | 154,785,000 | 150,280,000 |
| Noninterest-bearing deposits | 1,366,000 | 4,070,000 | 4,588,000 | 4,866,000 |
| Equity capital | 24,113,000 | 24,042,000 | 24,645,000 | 24,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,810,000 | 5,598,000 | 8,591,000 | 11,590,000 |
| Interest expense | 775,000 | 1,527,000 | 2,248,000 | 2,826,000 |
| Net interest income | 2,035,000 | 4,071,000 | 6,343,000 | 8,764,000 |
| Noninterest income | 13,000 | 15,000 | 50,000 | 48,000 |
| Noninterest expense | 1,211,000 | 2,201,000 | 3,158,000 | 4,150,000 |
| Provision for loan losses | 0 | 297,000 | 449,000 | 591,000 |
| Pretax income | 837,000 | 1,588,000 | 2,786,000 | 4,071,000 |
| Income tax | 29,000 | 56,000 | 98,000 | 142,000 |
| Net income | 808,000 | 1,532,000 | 2,688,000 | 3,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,112,000 | 24,042,000 | 24,645,000 | 24,977,000 |