Call reports 2007
CALIFORNIA BUSINESS BANK — 2007
What CALIFORNIA BUSINESS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 94,349,000 | 106,124,000 | 118,314,000 | 117,841,000 |
| Total loans | 64,065,000 | 69,348,000 | 74,608,000 | 83,718,000 |
| Allowance for loan losses | 734,000 | 875,000 | 925,000 | 1,085,000 |
| Securities available for sale | 16,402,000 | 18,246,000 | 30,695,000 | 24,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,241,000 | 88,695,000 | 100,423,000 | 94,231,000 |
| Interest-bearing deposits | 62,417,000 | 70,743,000 | 86,534,000 | 77,550,000 |
| Noninterest-bearing deposits | 14,824,000 | 17,953,000 | 13,889,000 | 16,680,000 |
| Equity capital | 16,753,000 | 17,005,000 | 17,346,000 | 17,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,579,000 | 5,705,000 | 7,751,000 |
| Interest expense | 771,000 | 1,583,000 | 2,543,000 | 3,460,000 |
| Net interest income | 935,000 | 1,996,000 | 3,162,000 | 4,291,000 |
| Noninterest income | 16,000 | 240,000 | 251,000 | 280,000 |
| Noninterest expense | 751,000 | 1,696,000 | 2,641,000 | 3,665,000 |
| Provision for loan losses | 155,000 | 296,000 | 346,000 | 506,000 |
| Pretax income | 45,000 | 244,000 | 426,000 | 400,000 |
| Income tax | 0 | 1,000 | 1,000 | -170,000 |
| Net income | 45,000 | 243,000 | 425,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,768,000 | 17,054,000 | 17,306,000 | 17,855,000 |
| Total capital | 17,540,000 | 17,970,000 | 18,272,000 | 18,991,000 |
| Risk-weighted assets | 72,439,000 | 81,581,000 | 86,898,000 | 94,670,000 |