Call reports 2008
CALIFORNIA BUSINESS BANK — 2008
What CALIFORNIA BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,353,000 | 133,870,000 | 129,473,000 | 106,718,000 |
| Total loans | 88,464,000 | 92,062,000 | 89,084,000 | 84,971,000 |
| Allowance for loan losses | 1,135,000 | 1,135,000 | 1,535,000 | 2,035,000 |
| Securities available for sale | 27,644,000 | 17,134,000 | 11,430,000 | 11,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,822,000 | 103,961,000 | 106,421,000 | 85,110,000 |
| Interest-bearing deposits | 79,106,000 | 83,025,000 | 86,802,000 | 66,795,000 |
| Noninterest-bearing deposits | 15,716,000 | 20,936,000 | 19,619,000 | 18,315,000 |
| Equity capital | 18,109,000 | 17,791,000 | 17,515,000 | 15,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,576,000 | 5,156,000 | 6,478,000 |
| Interest expense | 826,000 | 1,565,000 | 2,190,000 | 2,746,000 |
| Net interest income | 1,090,000 | 2,011,000 | 2,966,000 | 3,732,000 |
| Noninterest income | 13,000 | 29,000 | 45,000 | 66,000 |
| Noninterest expense | 989,000 | 1,944,000 | 3,027,000 | 4,744,000 |
| Provision for loan losses | 50,000 | 50,000 | 650,000 | 2,150,000 |
| Pretax income | 113,000 | 165,000 | -502,000 | -2,932,000 |
| Income tax | 45,000 | 66,000 | -198,000 | -198,000 |
| Net income | 68,000 | 99,000 | -304,000 | -2,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,939,000 | 17,991,000 | 17,608,000 | 15,198,000 |
| Total capital | 19,124,000 | 19,177,000 | 18,782,000 | 16,340,000 |
| Risk-weighted assets | 98,830,000 | 95,449,000 | 93,524,000 | 90,414,000 |