Call reports 2004
PACIFICA BANK — 2004
What PACIFICA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,930,000 | 177,906,000 | 172,665,000 | 170,047,000 |
| Total loans | 123,089,000 | 122,650,000 | 125,339,000 | 133,596,000 |
| Allowance for loan losses | 2,366,000 | 2,078,000 | 2,092,000 | 2,050,000 |
| Securities available for sale | 23,545,000 | 26,868,000 | 24,368,000 | 21,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,124,000 | 152,172,000 | 146,190,000 | 137,393,000 |
| Interest-bearing deposits | 127,451,000 | 135,651,000 | 129,343,000 | 122,119,000 |
| Noninterest-bearing deposits | 12,673,000 | 16,521,000 | 16,847,000 | 15,274,000 |
| Equity capital | 16,138,000 | 14,175,000 | 14,976,000 | 15,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,519,000 | 5,085,000 | 7,649,000 | 10,286,000 |
| Interest expense | 559,000 | 1,105,000 | 1,659,000 | 2,229,000 |
| Net interest income | 1,960,000 | 3,980,000 | 5,990,000 | 8,057,000 |
| Noninterest income | 189,000 | 394,000 | 565,000 | 737,000 |
| Noninterest expense | 1,653,000 | 3,397,000 | 5,009,000 | 6,653,000 |
| Provision for loan losses | -395,000 | -725,000 | -725,000 | -725,000 |
| Pretax income | 926,000 | 1,737,000 | 2,309,000 | 2,927,000 |
| Income tax | 16,000 | 16,000 | 16,000 | 64,000 |
| Net income | 910,000 | 1,721,000 | 2,293,000 | 2,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,296,000 | 14,607,000 | 15,179,000 | 15,749,000 |
| Total capital | 17,998,000 | 16,366,000 | 16,928,000 | 17,641,000 |
| Risk-weighted assets | 135,495,000 | 140,414,000 | 139,572,000 | 151,104,000 |