Call reports 2005
PACIFICA BANK — 2005
What PACIFICA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 164,279,000 | 177,566,000 | 182,382,000 |
| Total loans | 134,157,000 | 142,900,000 | 144,485,000 |
| Allowance for loan losses | 2,035,000 | 1,802,000 | 1,831,000 |
| Securities available for sale | 18,358,000 | 16,982,000 | 14,170,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 136,735,000 | 149,372,000 | 154,498,000 |
| Interest-bearing deposits | 119,120,000 | 128,410,000 | 128,660,000 |
| Noninterest-bearing deposits | 17,615,000 | 20,962,000 | 25,839,000 |
| Equity capital | 15,944,000 | 16,469,000 | 16,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 2,608,000 | 5,365,000 | 8,459,000 |
| Interest expense | 639,000 | 1,401,000 | 2,295,000 |
| Net interest income | 1,969,000 | 3,964,000 | 6,164,000 |
| Noninterest income | 184,000 | 357,000 | 549,000 |
| Noninterest expense | 1,607,000 | 3,174,000 | 4,832,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 575,000 | 1,176,000 | 1,910,000 |
| Income tax | 190,000 | 384,000 | 625,000 |
| Net income | 385,000 | 792,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 16,133,000 | 16,541,000 | 17,034,000 |
| Total capital | 18,022,000 | 18,428,000 | 18,934,000 |
| Risk-weighted assets | 150,910,000 | 161,528,000 | 162,297,000 |